BlastPoint's Credit Union Scorecard

BELMONT MUNICIPAL

Charter #4192 ยท MA

2596 CUs in <100M nationally 68 in 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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Tier 1
50+ financial metrics with peer benchmarks
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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)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
131
Net Interest Margin (NIM)
profitability
Value: 5.83%
Peer Avg: -
#131 of 2596 Top 5.0% in <100M tier
415
Loan-to-Share Ratio
balance_sheet
Value: 85.35%
Peer Avg: -
#415 of 2596 Top 15.9% in <100M tier
416
Net Worth Ratio
risk
Value: 22.27%
Peer Avg: -
#416 of 2596 Top 16.0% in <100M tier

Top Weaknesses (11 metrics)

2352
Fee Income Per Member
profitability
Value: $1.73
Peer Avg: -
#2352 of 2596 Bottom 9.4% in <100M tier
2319
Total Members
engagement
Value: 386
Peer Avg: -
#2319 of 2596 Bottom 10.7% in <100M tier
2291
AMR Growth Rate
growth
Value: -7.47%
Peer Avg: -
#2291 of 2596 Bottom 11.8% in <100M tier
2290
Deposit Growth Rate
growth
Value: -7.08%
Peer Avg: -
#2290 of 2596 Bottom 11.8% in <100M tier
2239
Asset Growth Rate
growth
Value: -5.01%
Peer Avg: -
#2239 of 2596 Bottom 13.8% in <100M tier
2220
Members Per Employee (MPE)
engagement
Value: 193.000
Peer Avg: -
#2220 of 2596 Bottom 14.5% in <100M tier
2207
Total Assets
balance_sheet
Value: $3.62M
Peer Avg: -
#2207 of 2596 Bottom 15.0% in <100M tier
2204
Total Deposits
balance_sheet
Value: $2.80M
Peer Avg: -
#2204 of 2596 Bottom 15.1% in <100M tier
2190
Net Charge-Off Rate
risk
Value: 0.92%
Peer Avg: -
#2190 of 2596 Bottom 15.7% in <100M tier
2164
Loan Growth Rate
growth
Value: -11.86%
Peer Avg: -
#2164 of 2596 Bottom 16.7% in <100M tier
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