BlastPoint's Credit Union Scorecard
BROTHERHOOD
Charter #66350 · MA
BROTHERHOOD has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 0.1% in tier
- + Net Charge-Off Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 4.27% below tier average
- - Delinquency rate 0.05% above tier average
- - Member decline: -2.7% YoY
- - Efficiency Ratio: Bottom 0.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,177
-2.7% YoY-0.2% QoQ
|
-10.0K |
15,145
-2.5% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Bottom 4.4% in tier |
| Assets |
$125.6M
+2.5% YoY-0.3% QoQ
|
$-106.1M |
$231.7M
+0.8% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$62.6M
+0.1% YoY-0.4% QoQ
|
$-81.5M |
$144.1M
+0.2% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.2% in tier |
| Deposits |
$73.4M
-0.4% YoY+1.2% QoQ
|
$-127.7M |
$201.1M
+0.4% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.1% in tier |
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| ROA |
-3.5%
+252.3% YoY-202.9% QoQ
|
-4.3% |
0.7%
+5.1% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.2% in tier |
| NIM |
2.7%
+13.1% YoY+9.7% QoQ
|
-1.0% |
3.6%
+4.6% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.3% in tier |
| Efficiency Ratio | - | - |
78.0%
-1.7% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
- |
| Delinquency Rate |
0.8%
+1096.2% YoY+37.2% QoQ
|
+0.1 |
0.8%
+7.1% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
66% |
| Loan To Share |
85.3%
+0.6% YoY-1.5% QoQ
|
+14.9% |
70.4%
-0.4% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$26,277
+2.6% YoY+0.7% QoQ
|
+$1K |
$24,918
+2.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
68% |
| CD Concentration |
31.6%
-8.8% YoY-1.2% QoQ
|
+7.4% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)