MASS. INSTITUTE OF TECH.

Charter #3830 | MA

500M-750M (169 CUs) Community (281 CUs)
9 500M-750M in MA

MASS. INSTITUTE OF TECH. has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 31.0% in tier
  • + Organic Growth Leader: Top 31.3% in tier
  • + Total Deposits: Top 3.6% in tier
  • + Share Certificate Concentration (%): Top 5.3% in tier
  • + Total Assets: Top 8.3% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 17.5% in tier
  • - Credit Quality Pressure: Bottom 19.0% in tier
  • - Shrinking Wallet Share: Bottom 21.3% in tier
  • - ROA 0.19% below tier average
  • - Efficiency ratio 6.38% above tier (higher cost structure)
  • - Delinquency rate 0.20% above tier average
  • - First Mortgage Concentration (%): Bottom 1.2% in tier
  • - Loan Growth Rate: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 34,821
+0.6% YoY+0.9% QoQ
 -4.9K 39,752
-2.7% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 38th in tier
Assets $729.0M
+3.3% YoY+2.9% QoQ
 +$106.6M $622.4M
+0.3% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 Top 8.9% in tier
Loans $534.9M
-6.3% YoY-1.4% QoQ
 +$99.0M $435.9M
-0.4% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 Top 18.3% in tier
Deposits $651.9M
+5.2% YoY+2.6% QoQ
 +$113.9M $538.0M
+1.3% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 Top 4.1% in tier
ROA 0.5%
-51.6% YoY+9.8% QoQ
 -0.2% 0.7%
+33.9% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 39th in tier
NIM 3.0%
+0.1% YoY+0.6% QoQ
 -0.5% 3.4%
+8.6% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 20.1% in tier
Efficiency Ratio 84.5%
+16.2% YoY-1.4% QoQ
 +6.4% 78.1%
-3.4% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 Top 24.3% in tier
Delinquency Rate 1.0%
+12.5% YoY+37.3% QoQ
 +0.2 0.8%
-4.9% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 75th in tier
Loan To Share 82.1%
-10.9% YoY-3.9% QoQ
 +1.0% 81.0%
-1.8% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 47th in tier
AMR $34,086
-0.9% YoY-0.2% QoQ
 +$8K $26,482
+2.6% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 Top 13.6% in tier
CD Concentration 14.9%
-19.4% YoY-2.3% QoQ
 -9.5% 24.4%
+4.2% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 Bottom 18.9% in tier
Indirect Auto % 0.2%
-17.1% YoY+3.6% QoQ
 -13.8% 14.0%
-5.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 33rd in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#568 of 603 • Top 31.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.65%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.47%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.21%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth
#413 of 430 • Top 31.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.65%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (3)

Efficiency Drag

risk
#309 of 521 • Bottom 17.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 84.48%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.50% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.65%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Credit Quality Pressure

risk
#471 of 736 • Bottom 19.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.11% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#213 of 244 • Bottom 21.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.94%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (9 metrics)

7
Total Deposits
balance_sheet
Value: $651.95M
Peer Avg: $538.02M
#7 of 169 Top 3.6% in 500M-750M tier
10
Share Certificate Concentration (%)
balance_sheet
Value: 14.90%
Peer Avg: 26.87%
#10 of 169 Top 5.3% in 500M-750M tier
15
Total Assets
balance_sheet
Value: $728.99M
Peer Avg: $622.38M
#15 of 169 Top 8.3% in 500M-750M tier
23
Average Member Relationship (AMR)
engagement
Value: $34,086
Peer Avg: $26,482
#23 of 169 Top 13.0% in 500M-750M tier
23
Loan-to-Member Ratio (LMR)
engagement
Value: $15,363
Peer Avg: $11,805
#23 of 169 Top 13.0% in 500M-750M tier
28
Net Charge-Off Rate
risk
Value: 0.16%
Peer Avg: 0.51%
#28 of 169 Top 16.0% in 500M-750M tier
31
Total Loans
balance_sheet
Value: $534.95M
Peer Avg: $435.95M
#31 of 169 Top 17.8% in 500M-750M tier
41
Indirect Auto Concentration (%)
balance_sheet
Value: 0.21%
Peer Avg: 16.19%
#41 of 169 Top 23.7% in 500M-750M tier
43
Members Per Employee (MPE)
engagement
Value: 382.648
Peer Avg: 338.010
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (6 metrics)

168
First Mortgage Concentration (%)
balance_sheet
Value: 70.40%
Peer Avg: 33.53%
#168 of 169 Bottom 1.2% in 500M-750M tier
155
Loan Growth Rate
growth
Value: -6.26%
Peer Avg: 4.04%
#155 of 169 Bottom 8.9% in 500M-750M tier
141
AMR Growth Rate
growth
Value: -0.94%
Peer Avg: 3.12%
#141 of 169 Bottom 17.2% in 500M-750M tier
135
Net Interest Margin (NIM)
profitability
Value: 2.97%
Peer Avg: 3.43%
#135 of 169 Bottom 20.7% in 500M-750M tier
130
Fee Income Per Member
profitability
Value: $147.69
Peer Avg: $199.27
#130 of 169 Bottom 23.7% in 500M-750M tier
129
Efficiency Ratio
profitability
Value: 84.48%
Peer Avg: 78.10%
#129 of 169 Bottom 24.3% in 500M-750M tier