BlastPoint's Credit Union Scorecard
BROTHERHOOD
Charter #66350 · MA
BROTHERHOOD has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.68% above tier average
- + Net Worth Ratio: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.1% in tier
- + Net Charge-Off Rate: Top 0.4% in tier
- + Efficiency Ratio: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 4.9% in tier
- - Credit Quality Pressure: Bottom 18.3% in tier
- - Liquidity Overhang: Bottom 33.6% in tier
- - Credit Risk Growth: Bottom 64.0% in tier
- - Membership Headwinds: Bottom 66.7% in tier
- - Stagnation Risk: Bottom 67.5% in tier
- - Total Deposits: Bottom 0.1% in tier
- - First Mortgage Concentration (%): Bottom 2.0% in tier
- - Total Members: Bottom 3.8% in tier
- - Net Interest Margin (NIM): Bottom 5.2% in tier
- - Members Per Employee (MPE): Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,188
-1.8% YoY-2.2% QoQ
|
-10.2K |
15,437
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 3.7% in tier |
| Assets |
$125.9M
+6.7% YoY+1.2% QoQ
|
$-106.0M |
$231.9M
+1.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$62.9M
+0.6% YoY-0.1% QoQ
|
$-84.5M |
$147.3M
-0.1% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.4% in tier |
| Deposits |
$72.6M
+4.9% YoY+0.5% QoQ
|
$-128.3M |
$200.8M
+0.8% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.0% in tier |
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| ROA |
3.4%
-12.7% YoY+1.5% QoQ
|
+2.7% |
0.8%
+18.2% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Top 0.1% in tier |
| NIM |
2.4%
+6.9% YoY+2.4% QoQ
|
-1.2% |
3.6%
+6.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.1% in tier |
| Efficiency Ratio |
45.1%
+5.8% YoY-0.5% QoQ
|
-31.9% |
77.0%
-3.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.7% in tier |
| Delinquency Rate |
0.6%
+417.8% YoY+217.7% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
86.7%
-4.2% YoY-0.6% QoQ
|
+14.4% |
72.2%
-1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$26,104
+4.8% YoY+2.4% QoQ
|
+$1K |
$24,676
+3.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
32.0%
-1.6% YoY-1.6% QoQ
|
+7.6% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)