BlastPoint's Credit Union Scorecard
BILLERICA MUNICIPAL EMPLOYEES
Charter #66336 · MA
BILLERICA MUNICIPAL EMPLOYEES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Net Interest Margin (NIM): Bottom 5.5% in tier
- - AMR Growth Rate: Bottom 9.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in Massachusetts.
- Shares and deposits -6.6% year over year ($19.2M in shares and deposits).
- Membership: 1,260 members, +0.3% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.89%.
- Efficiency ratio 62.75% vs a 88.77% peer average.
- Loan-to-share ratio 32.05% vs a 58.89% 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 |
1,260
+0.3% YoY+0.2% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
35% |
| Assets |
$23.6M
-4.1% YoY-1.1% QoQ
|
$-6.7M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$6.1M
-13.9% YoY-3.8% QoQ
|
$-9.3M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
39% |
| Deposits |
$19.2M
-6.6% YoY-2.5% QoQ
|
$-6.6M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
0.9%
+45.8% YoY+8.1% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
55% |
| NIM |
2.4%
+24.7% YoY+7.6% QoQ
|
-1.5% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 5.5% in tier |
| Efficiency Ratio |
62.8%
-7.9% YoY-0.3% QoQ
|
-26.0% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Top 14.6% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
32.1%
-7.8% YoY-1.4% QoQ
|
-26.8% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.2% in tier |
| AMR |
$20,092
-8.8% YoY-3.0% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
29.9%
-16.8% YoY-7.6% QoQ
|
+5.3% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.6% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)