BlastPoint's Credit Union Scorecard
METROWEST COMMUNITY
Charter #4731 · MA
METROWEST COMMUNITY has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 53.1% in tier
- + Credit Quality Leader: Top 73.5% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 9.5% in tier
- - Credit Quality Pressure: Bottom 20.9% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 9.75% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 1.3% in tier
- - Net Interest Margin (NIM): Bottom 2.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,000
-0.2% YoY0% QoQ
|
-8.6K |
15,628
-3.4% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 10.0% in tier |
| Assets |
$139.9M
+7.9% YoY-0.1% QoQ
|
$-91.4M |
$231.3M
-0.0% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$74.7M
-1.9% YoY+0.3% QoQ
|
$-73.1M |
$147.8M
-1.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$130.8M
+8.5% YoY-0.2% QoQ
|
$-69.5M |
$200.3M
-0.0% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
31% |
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| ROA |
0.3%
-435.4% YoY+9.0% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
2.1%
+20.0% YoY+1.7% QoQ
|
-1.5% |
3.6%
+6.9% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.3% in tier |
| Efficiency Ratio |
87.0%
-14.9% YoY-0.4% QoQ
|
+9.8% |
77.3%
-3.0% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.3%
+36.1% YoY-16.4% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
19% |
| Loan To Share |
57.1%
-9.6% YoY+0.5% QoQ
|
-15.6% |
72.7%
-1.5% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$29,367
+4.7% YoY-0.1% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
50.6%
+10.9% YoY+2.1% QoQ
|
+26.1% |
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 (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)