BlastPoint's Credit Union Scorecard
TAUNTON
Charter #5602 · MA
TAUNTON has 11 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 8.2% in tier
- + Wallet Share Momentum: Top 17.9% in tier
- + ROA 0.25% above tier average
- + Net Interest Margin 0.03% above tier average
- + AMR Growth Rate: Top 6.5% in tier
- + Total Loans: Top 7.1% in tier
- + Net Charge-Off Rate: Top 7.6% in tier
- + Total Assets: Top 7.8% in tier
- + Total Deposits: Top 7.8% in tier
- + Loan-to-Member Ratio (LMR): Top 9.2% in tier
- + Average Member Relationship (AMR): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 0.8% in tier
- - Membership Headwinds: Bottom 8.8% in tier
- - Member decline: -4.3% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,179
-4.3% YoY-1.2% QoQ
|
+3.6K |
15,628
-3.4% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
73% |
| Assets |
$417.9M
+7.1% YoY+2.2% QoQ
|
+$186.6M |
$231.3M
-0.0% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Top 7.9% in tier |
| Loans |
$293.2M
+6.4% YoY+2.7% QoQ
|
+$145.4M |
$147.8M
-1.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Top 7.1% in tier |
| Deposits |
$364.8M
+6.9% YoY+2.2% QoQ
|
+$164.5M |
$200.3M
-0.0% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Top 7.9% in tier |
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| ROA |
1.0%
-0.6% YoY+9.4% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
3.6%
+3.1% YoY+0.8% QoQ
|
+0.0% |
3.6%
+6.9% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
75.1%
+0.6% YoY-2.2% QoQ
|
-2.2% |
77.3%
-3.0% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.6%
-12.6% YoY-39.9% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
80.4%
-0.5% YoY+0.5% QoQ
|
+7.7% |
72.7%
-1.5% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$34,308
+11.4% YoY+3.6% QoQ
|
+$10K |
$24,363
+2.9% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 9.7% in tier |
| CD Concentration |
37.3%
+5.2% YoY+1.6% QoQ
|
+12.9% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
12.1%
-6.4% YoY-2.1% QoQ
|
-1.8% |
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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)