BlastPoint's Credit Union Scorecard
SOMERVILLE SCHOOL EMPLOYEES
Charter #3475 · MA
SOMERVILLE SCHOOL EMPLOYEES has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Efficiency ratio 13.31% above tier (higher cost structure)
- - Member decline: -23.4% YoY
- - Member Growth Rate: Bottom 1.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,375
-23.4% YoY-24.0% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$23.1M
-4.0% YoY+2.7% QoQ
|
$-7.0M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$8.9M
+5.4% YoY-1.2% QoQ
|
$-6.8M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$19.2M
-4.9% YoY+3.2% QoQ
|
$-6.5M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
0.1%
-73.4% YoY+8.7% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
2.7%
+6.8% YoY-0.0% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.3% in tier |
| Efficiency Ratio |
95.9%
+14.9% YoY-0.3% QoQ
|
+13.3% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.2%
-2.7% YoY+42.4% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
46.4%
+10.8% YoY-4.3% QoQ
|
-14.2% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$20,470
+28.1% YoY+34.0% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
15.7%
-0.6% YoY-8.1% QoQ
|
-8.7% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)