BlastPoint's Credit Union Scorecard
TAUNTON
Charter #5602 · MA
TAUNTON has 8 strengths but faces 2 concerns
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 0.15% above tier average
- + Total Loans: Top 4.4% in tier
- + Total Deposits: Top 5.5% in tier
- + Total Assets: Top 5.9% in tier
- + Loan-to-Member Ratio (LMR): Top 8.2% in tier
- + Average Member Relationship (AMR): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 32 that size in Massachusetts.
- Shares and deposits +7.3% year over year ($383M in shares and deposits).
- Membership: 19,289 members, -0.6% vs a year ago.
- Delinquency rate 0.77%.
- Return on assets 1.02%.
- Efficiency ratio 76.25% vs a 76.73% peer average.
- Loan-to-share ratio 83.82% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,289
-0.6% YoY+0.4% QoQ
|
+4.1K |
15,168
-2.6% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
75% |
| Assets |
$440.5M
+7.8% YoY+1.6% QoQ
|
+$208.4M |
$232.0M
+0.7% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
Top 6.0% in tier |
| Loans |
$321.2M
+12.5% YoY+2.9% QoQ
|
+$174.9M |
$146.3M
+0.2% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
Top 4.5% in tier |
| Deposits |
$383.2M
+7.3% YoY+1.3% QoQ
|
+$182.5M |
$200.7M
+0.2% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
Top 5.6% in tier |
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| ROA |
1.0%
+7.0% YoY+10.6% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
3.7%
+2.7% YoY+0.4% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
76.2%
-0.7% YoY-1.7% QoQ
|
-0.5% |
76.7%
-0.8% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
0.8%
-27.0% YoY+81.3% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
83.8%
+4.8% YoY+1.5% QoQ
|
+12.3% |
71.5%
-0.3% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$36,518
+10.3% YoY+1.6% QoQ
|
+$11K |
$25,107
+3.2% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Top 8.6% in tier |
| CD Concentration |
37.7%
+2.8% YoY+2.7% QoQ
|
+13.2% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % |
10.9%
-12.2% YoY-0.5% QoQ
|
-2.7% | 13.6% | 2.4% | 7.7% | 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)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)