BlastPoint's Credit Union Scorecard
LYNN FIREMENS
Charter #484 · MA
LYNN FIREMENS demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 8.6% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,594
+2.9% YoY+1.5% QoQ
|
-1.0K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$19.3M
+4.3% YoY+0.8% QoQ
|
$-10.5M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$13.9M
+8.0% YoY+1.0% QoQ
|
$-1.8M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$15.6M
+3.0% YoY+0.5% QoQ
|
$-9.9M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
46% |
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| ROA |
1.7%
-28.4% YoY+2.7% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Top 13.8% in tier |
| NIM |
3.6%
-16.9% YoY+2.8% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
54.1%
+20.4% YoY+0.0% QoQ
|
-27.3% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate |
1.1%
+249.0% YoY+12.2% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
63% |
| Loan To Share |
89.4%
+4.8% YoY+0.6% QoQ
|
+28.2% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 11.6% in tier |
| AMR |
$18,508
+2.3% YoY-0.8% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
22.6%
+14.7% YoY+3.1% QoQ
|
-1.9% |
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)