BlastPoint's Credit Union Scorecard
BILLERICA MUNICIPAL EMPLOYEES
Charter #66336 · MA
BILLERICA MUNICIPAL EMPLOYEES has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.5% in tier
- + Asset Growth Rate: Top 1.8% in tier
- + AMR Growth Rate: Top 5.0% in tier
- + Members Per Employee (MPE): Top 6.3% in tier
- + Net Charge-Off Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Net Interest Margin (NIM): Bottom 3.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,255
+1.3% YoY-0.1% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
35% |
| Assets |
$24.0M
+19.7% YoY-2.4% QoQ
|
$-5.9M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
53% |
| Loans |
$7.0M
-3.0% YoY-2.4% QoQ
|
$-8.8M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
42% |
| Deposits |
$19.9M
+23.6% YoY-3.1% QoQ
|
$-5.6M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
52% |
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| ROA |
0.6%
-34.1% YoY-6.1% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
2.0%
-20.2% YoY+3.5% QoQ
|
-2.0% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.4% in tier |
| Efficiency Ratio |
71.1%
+9.4% YoY+4.3% QoQ
|
-10.3% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.2%
+1122.0% YoY+138.0% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
26% |
| Loan To Share |
35.0%
-21.5% YoY+0.7% QoQ
|
-26.2% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.9% in tier |
| AMR |
$21,404
+13.9% YoY-2.8% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
84% |
| CD Concentration |
35.6%
+39.8% YoY-1.0% QoQ
|
+11.2% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-100.0% QoQ
|
-14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
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)