BlastPoint's Credit Union Scorecard
BELMONT MUNICIPAL
Charter #4192 ยท MA
BELMONT MUNICIPAL has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.89% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Member decline: -2.0% YoY
- - Fee Income Per Member: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
386
-2.0% YoY-0.8% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 10.7% in tier |
| Assets |
$3.6M
-5.0% YoY-2.3% QoQ
|
$-26.2M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 15.0% in tier |
| Loans |
$2.4M
-11.9% YoY-11.4% QoQ
|
$-13.4M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$2.8M
-7.1% YoY-2.8% QoQ
|
$-22.7M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
15% |
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| ROA |
0.4%
-69.9% YoY-48.2% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
5.8%
+6.7% YoY+1.9% QoQ
|
+1.9% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 5.0% in tier |
| Efficiency Ratio |
76.1%
+11.8% YoY+11.3% QoQ
|
-5.3% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.2%
-9.2% YoY-62.6% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
28% |
| Loan To Share |
85.4%
-5.1% YoY-8.9% QoQ
|
+24.1% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$13,444
-7.5% YoY-6.2% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
2.0%
-53.7% YoY+13.1% QoQ
|
-22.4% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
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)