BlastPoint's Credit Union Scorecard
WORCESTER
Charter #64144 · MA
WORCESTER has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.06% above tier average
- + Loan Growth Rate: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Total Assets: Bottom 5.0% in tier
- - Total Deposits: Bottom 7.8% in tier
- - Total Members: Bottom 8.6% 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 +4.4% year over year ($95.8M in shares and deposits).
- Membership: 6,368 members, -0.3% vs a year ago.
- Delinquency rate 0.87%.
- Return on assets 0.92%.
- Efficiency ratio 76.00% vs a 76.73% peer average.
- Loan-to-share ratio 77.40% 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 |
6,368
-0.3% YoY+0.2% QoQ
|
-8.8K |
15,168
-2.6% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
Bottom 8.5% in tier |
| Assets |
$107.3M
+4.8% YoY+0.2% QoQ
|
$-124.7M |
$232.0M
+0.7% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.9% in tier |
| Loans |
$74.1M
+16.4% YoY+7.8% QoQ
|
$-72.1M |
$146.3M
+0.2% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$95.8M
+4.4% YoY+0.2% QoQ
|
$-104.9M |
$200.7M
+0.2% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.7% in tier |
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| ROA |
0.9%
-28.5% YoY+34.6% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
3.5%
+2.1% YoY+1.5% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
76.0%
+5.8% YoY-5.8% QoQ
|
-0.7% |
76.7%
-0.8% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
45% |
| Delinquency Rate |
0.9%
-5.0% YoY+61.0% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
77.4%
+11.5% YoY+7.6% QoQ
|
+5.9% |
71.5%
-0.3% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$26,677
+9.6% YoY+3.2% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
69% |
| CD Concentration |
20.9%
+2.7% YoY-2.9% QoQ
|
-3.6% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)