BlastPoint's Credit Union Scorecard

TAUNTON

Charter #5602 · MA

100M-500M

1070 CUs in 100M-500M nationally 30 in MA

TAUNTON has 8 strengths but faces 2 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.19% above tier average
+ Total Loans: Top 4.5% in tier
+ Total Deposits: Top 5.6% in tier
+ Total Assets: Top 6.3% in tier
+ Loan-to-Member Ratio (LMR): Top 8.0% in tier
+ AMR Growth Rate: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	19,214 -0.6% YoY+0.5% QoQ	+4.1K	15,145 -2.5% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	75%
Assets	$433.5M +7.2% YoY+1.8% QoQ	+$201.8M	$231.7M +0.8% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	Top 6.4% in tier
Loans	$312.2M +13.0% YoY+3.3% QoQ	+$168.1M	$144.1M +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	Top 4.6% in tier
Deposits	$378.2M +7.0% YoY+2.1% QoQ	+$177.1M	$201.1M +0.4% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	Top 5.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +3.6% YoY-18.6% QoQ	+0.2%	0.7% +5.1% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	65%
NIM	3.7% +1.8% YoY+2.7% QoQ	+0.0%	3.6% +4.6% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	53%
Efficiency Ratio	77.5% +0.7% YoY+6.0% QoQ	-0.5%	78.0% -1.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	46%
Delinquency Rate	0.4% -40.7% YoY-53.3% QoQ	-0.3	0.8% +7.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	34%
Loan To Share	82.6% +5.7% YoY+1.2% QoQ	+12.1%	70.4% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	74%
AMR	$35,933 +10.3% YoY+2.2% QoQ	+$11K	$24,918 +2.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 9.0% in tier
CD Concentration	36.8% +2.7% YoY+0.1% QoQ	+12.5%	24.3%	25.2%	19.8%	50%
Indirect Auto %	10.9% -14.8% YoY-6.0% QoQ	-2.9%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#32 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 10.28%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.8K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY

Wallet Share Momentum

growth

#113 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.28%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY

Concerns (2)

Membership Headwinds

decline

#554 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.61%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#563 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.61%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 13.01%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.43%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (10 metrics)

Total Loans

balance_sheet

Value: $312.23M

Peer Median: $121.41M

#49 of 1070 Top 4.5% in 100M-500M tier

Total Deposits

balance_sheet

Value: $378.19M

Peer Median: $171.29M

#61 of 1070 Top 5.6% in 100M-500M tier

Total Assets

balance_sheet

Value: $433.54M

Peer Median: $196.57M

#68 of 1070 Top 6.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,250

Peer Median: $9,356

#87 of 1070 Top 8.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.28%

Peer Median: 3.46%

#89 of 1070 Top 8.2% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,933

Peer Median: $22,931

#96 of 1070 Top 8.9% in 100M-500M tier

103

Loan Growth Rate

growth

Value: 13.01%

Peer Median: 2.93%

#103 of 1070 Top 9.5% in 100M-500M tier

130

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: 0.35%

#130 of 1070 Top 12.1% in 100M-500M tier

242

Deposit Growth Rate

growth

Value: 6.96%

Peer Median: 3.30%

#242 of 1070 Top 22.5% in 100M-500M tier

246

Asset Growth Rate

growth

Value: 7.21%

Peer Median: 3.91%

#246 of 1070 Top 22.9% in 100M-500M tier

Top Weaknesses (2 metrics)

951

Share Certificate Concentration (%)

balance_sheet

Value: 36.76%

Peer Median: 23.10%

#951 of 1070 Bottom 11.2% in 100M-500M tier

928

Members Per Employee (MPE)

engagement

Value: 234.317

Peer Median: 309.176

#928 of 1070 Bottom 13.4% in 100M-500M tier