BlastPoint's Credit Union Scorecard

BILLERICA MUNICIPAL EMPLOYEES

Charter #66336 · MA

<100M

2508 CUs in <100M nationally 66 in MA

BILLERICA MUNICIPAL EMPLOYEES has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.68% above tier average
+ Members Per Employee (MPE): Top 6.4% in tier

Key Concerns

Areas that may need attention

- Net Interest Margin (NIM): Bottom 5.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	1,258 +0.6% YoY-0.2% QoQ	-1.4K	2,676 +1.6% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	35%
Assets	$23.8M +2.8% YoY-1.2% QoQ	$-6.4M	$30.2M +1.3% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	52%
Loans	$6.4M -11.0% YoY-4.0% QoQ	$-8.9M	$15.3M -2.0% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	40%
Deposits	$19.7M +2.5% YoY-1.7% QoQ	$-6.1M	$25.8M +0.7% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	51%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +46.1% YoY+29.6% QoQ	+0.7%	0.1% -77.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	61%
NIM	2.2% +12.9% YoY+9.9% QoQ	-1.8%	4.0% +4.0% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 4.9% in tier
Efficiency Ratio	62.9% -11.8% YoY-8.3% QoQ	-27.7%	90.6% +6.5% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	16%
Delinquency Rate	0.1% +32.8% QoQ	-1.4	1.5% +3.8% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	19%
Loan To Share	32.5% -13.1% YoY-2.3% QoQ	-26.0%	58.5% -3.0% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	Bottom 13.8% in tier
AMR	$20,705 -1.8% YoY-2.1% QoQ	+$6K	$14,884 -1.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	81%
CD Concentration	32.4% -9.2% YoY-3.9% QoQ	+8.1%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

161

Members Per Employee (MPE)

engagement

Value: 629.000

Peer Median: 333.750

#161 of 2508 Top 6.4% in <100M tier

395

Efficiency Ratio

profitability

Value: 62.93%

Peer Median: 81.45%

#395 of 2508 Top 15.7% in <100M tier

483

Average Member Relationship (AMR)

engagement

Value: $20,705

Peer Median: $13,926

#483 of 2508 Top 19.2% in <100M tier

487

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Median: 0.65%

#487 of 2508 Top 19.4% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (6 metrics)

2384

Net Interest Margin (NIM)

profitability

Value: 2.20%

Peer Median: 3.83%

#2384 of 2508 Bottom 5.0% in <100M tier

2164

Fee Income Per Member

profitability

Value: $3.80

Peer Median: $60.42

#2164 of 2508 Bottom 13.8% in <100M tier

2159

Loan-to-Share Ratio

balance_sheet

Value: 32.51%

Peer Median: 58.72%

#2159 of 2508 Bottom 14.0% in <100M tier

2149

Share Certificate Concentration (%)

balance_sheet

Value: 32.35%

Peer Median: 12.45%

#2149 of 2508 Bottom 14.4% in <100M tier

2110

First Mortgage Concentration (%)

balance_sheet

Value: 36.17%

Peer Median: 3.66%

#2110 of 2508 Bottom 15.9% in <100M tier

2017

Loan Growth Rate

growth

Value: -10.97%

Peer Median: -2.36%

#2017 of 2508 Bottom 19.6% in <100M tier