BlastPoint's Credit Union Scorecard
WORCESTER
Charter #64144 · MA
WORCESTER has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + AMR Growth Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 2.64% above tier (higher cost structure)
- - Member decline: -16.9% YoY
- - Member Growth Rate: Bottom 0.9% in tier
- - Total Assets: Bottom 5.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,355
-16.9% YoY-0.6% QoQ
|
-8.8K |
15,145
-2.5% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Bottom 7.9% in tier |
| Assets |
$107.1M
+4.2% YoY+2.0% QoQ
|
$-124.6M |
$231.7M
+0.8% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.1% in tier |
| Loans |
$68.7M
+10.4% YoY+1.8% QoQ
|
$-75.4M |
$144.1M
+0.2% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$95.6M
+3.8% YoY+2.8% QoQ
|
$-105.5M |
$201.1M
+0.4% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.5% in tier |
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| ROA |
0.7%
-49.0% YoY-28.6% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
49% |
| NIM |
3.5%
+2.5% YoY-1.7% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
40% |
| Efficiency Ratio |
80.7%
+13.4% YoY+4.4% QoQ
|
+2.6% |
78.0%
-1.7% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
58% |
| Delinquency Rate |
0.5%
-14.1% YoY-21.6% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
71.9%
+6.3% YoY-1.0% QoQ
|
+1.5% |
70.4%
-0.4% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$25,858
+28.0% YoY+3.0% QoQ
|
+$940 |
$24,918
+2.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
21.5%
+12.5% YoY+1.2% QoQ
|
-2.7% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.3% | 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 (4)
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.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)