BlastPoint's Credit Union Scorecard
BELMONT MUNICIPAL
Charter #4192 · MA
BELMONT MUNICIPAL has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.92% 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 0.05% below tier average
- - Fee Income Per Member: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
385
-1.3% YoY-0.3% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 10.3% in tier |
| Assets |
$3.6M
-1.2% YoY-0.9% QoQ
|
$-26.6M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.6% in tier |
| Loans |
$2.3M
-12.1% YoY-4.1% QoQ
|
$-13.5M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$2.8M
-1.8% YoY-1.1% QoQ
|
$-22.9M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.6% in tier |
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| ROA |
0.6%
-58.8% YoY+35.3% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
5.9%
+2.6% YoY+0.8% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 4.5% in tier |
| Efficiency Ratio |
77.6%
+13.8% YoY+2.1% QoQ
|
-4.9% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.4%
-36.3% YoY+86.6% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
82.7%
-10.5% YoY-3.1% QoQ
|
+22.1% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$13,147
-5.5% YoY-2.2% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
2.2%
+7.4% YoY+10.3% QoQ
|
-22.2% | 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)