BlastPoint's Credit Union Scorecard

BROTHERHOOD

Charter #66350 · MA

100M-500M

1024 CUs in 100M-500M nationally 32 in MA

BROTHERHOOD has 4 strengths but faces 8 concerns

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 2.68% above tier average
+ Fee Income Per Member: Top 0.1% in tier
+ Net Worth Ratio: Top 0.1% in tier
+ Efficiency Ratio: Top 1.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 32 that size in Massachusetts.
Shares and deposits -7.6% year over year ($69.7M in shares and deposits).
Membership: 5,211 members, -2.4% vs a year ago.
Delinquency rate 1.18%.
Return on assets 3.55%.
Efficiency ratio 45.71% vs a 76.73% peer average.
Loan-to-share ratio 89.88% 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	5,211 -2.4% YoY+0.7% QoQ	-10.0K	15,168 -2.6% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	Bottom 4.3% in tier
Assets	$125.2M -0.8% YoY-0.3% QoQ	$-106.8M	$232.0M +0.7% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	16%
Loans	$62.7M +1.3% YoY+0.1% QoQ	$-83.6M	$146.3M +0.2% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	Bottom 12.6% in tier
Deposits	$69.7M -7.6% YoY-5.0% QoQ	$-131.0M	$200.7M +0.2% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	Bottom 0.1% in tier

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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	3.5% +29.6% YoY-200.1% QoQ	+2.7%	0.9% +12.5% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	Top 0.2% in tier
NIM	2.7% +15.5% YoY+1.5% QoQ	-1.0%	3.7% +4.5% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	Bottom 6.2% in tier
Efficiency Ratio	45.7% -10.0% YoY	-31.0%	76.7% -0.8% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	Top 1.2% in tier
Delinquency Rate	1.2% +486.6% YoY+42.5% QoQ	+0.3	0.9% +6.6% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	77%
Loan To Share	89.9% +9.7% YoY+5.3% QoQ	+18.3%	71.5% -0.3% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	85%
AMR	$25,416 -1.2% YoY-3.3% QoQ	+$309	$25,107 +3.2% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	63%
CD Concentration	35.0% -0.4% YoY+10.5% QoQ	+10.4%	24.6%	25.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	2.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Credit Quality Pressure

risk

#52 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.98% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Capital Constraint

risk

#7 of 19 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 89.88%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Deposit Growth (YoY): -7.65%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Net Worth Ratio: 43.67%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

19 of 1024 Mid-Small & Community CUs have this signature | 27 nationally

→ Stable (23→19 CUs) -4 CUs YoY | New qualifier

Stagnation Risk

risk

#230 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.42%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 1.32%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.18%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Liquidity Overhang

risk

#57 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 43.67%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 89.88%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank worsening

Credit Risk Growth

risk

#223 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.32%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.98% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Membership Headwinds

decline

#290 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.42%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#31 of 46 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -2.42%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -1.22%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#177 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.22%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (7 metrics)

Fee Income Per Member

profitability

Value: $919.37

Peer Median: $159.88

#1 of 1024 Top 0.1% in 100M-500M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 3.55%

Peer Median: 0.75%

#2 of 1024 Top 0.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 43.67%

Peer Median: 11.71%

#2 of 1024 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 45.71%

Peer Median: 77.26%

#13 of 1024 Top 1.2% in 100M-500M tier

144

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.34%

#144 of 1024 Top 14.0% in 100M-500M tier

156

Loan-to-Share Ratio

balance_sheet

Value: 89.88%

Peer Median: 73.07%

#156 of 1024 Top 15.1% in 100M-500M tier

Top Weaknesses (13 metrics)

1024

Total Deposits

balance_sheet

Value: $69.75M

Peer Median: $170.77M

#1024 of 1024 Bottom 0.1% in 100M-500M tier

1012

Deposit Growth Rate

growth

Value: -7.65%

Peer Median: 3.58%

#1012 of 1024 Bottom 1.3% in 100M-500M tier

1007

First Mortgage Concentration (%)

balance_sheet

Value: 71.79%

Peer Median: 29.92%

#1007 of 1024 Bottom 1.8% in 100M-500M tier

980

Total Members

engagement

Value: 5,211

Peer Median: 13,128

#980 of 1024 Bottom 4.4% in 100M-500M tier

979

Members Per Employee (MPE)

engagement

Value: 200.423

Peer Median: 310.924

#979 of 1024 Bottom 4.5% in 100M-500M tier

960

Net Interest Margin (NIM)

profitability

Value: 2.70%

Peer Median: 3.67%

#960 of 1024 Bottom 6.3% in 100M-500M tier

895

Asset Growth Rate

growth

Value: -0.85%

Peer Median: 4.12%

#895 of 1024 Bottom 12.7% in 100M-500M tier

895

Total Loans

balance_sheet

Value: $62.69M

Peer Median: $124.04M

#895 of 1024 Bottom 12.7% in 100M-500M tier

881

AMR Growth Rate

growth

Value: -1.22%

Peer Median: 3.53%

#881 of 1024 Bottom 14.1% in 100M-500M tier

861

Share Certificate Concentration (%)

balance_sheet

Value: 34.96%

Peer Median: 23.39%

#861 of 1024 Bottom 16.0% in 100M-500M tier