BROTHERHOOD

Charter #66350 | MA

100M-500M (1077 CUs) Micro
32 100M-500M in MA

BROTHERHOOD has 9 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 6.9% in tier
  • + Wallet Share Momentum: Top 18.2% in tier
  • + Relationship Depth Leader: Top 28.8% in tier
  • + ROA 2.60% 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 0.3% in tier
  • + Efficiency Ratio: Top 0.8% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 9.1% in tier
  • - Liquidity Overhang: Bottom 11.6% in tier
  • - Credit Quality Pressure: Bottom 24.6% in tier
  • - Membership Headwinds: Bottom 31.8% in tier
  • - Total Deposits: Bottom 0.1% in tier
  • - First Mortgage Concentration (%): Bottom 2.1% in tier
  • - Total Members: Bottom 4.0% in tier
  • - Net Interest Margin (NIM): Bottom 5.1% in tier
  • - Members Per Employee (MPE): Bottom 8.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 5,303
-0.7% YoY-0.7% QoQ
 -10.3K 15,628
-3.4% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 Bottom 3.9% in tier
Assets $124.4M
+8.8% YoY-1.5% QoQ
 $-106.9M $231.3M
-0.0% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 Bottom 16.4% in tier
Loans $63.0M
+0.3% YoY+1.8% QoQ
 $-84.8M $147.8M
-1.4% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 Bottom 11.2% in tier
Deposits $72.2M
+7.6% YoY-4.4% QoQ
 $-128.1M $200.3M
-0.0% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 Bottom 0.0% in tier
ROA 3.4%
-2.4% YoY+24.0% QoQ
 +2.6% 0.8%
+15.5% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 Top 0.3% in tier
NIM 2.4%
+2.8% YoY+1.3% QoQ
 -1.2% 3.6%
+6.9% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 5.0% in tier
Efficiency Ratio 45.3%
-2.3% YoY-10.7% QoQ
 -31.9% 77.3%
-3.0% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 Bottom 0.8% in tier
Delinquency Rate 0.2%
+32.4% YoY-5.5% QoQ
 -0.7 0.9%
+7.6% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 Bottom 10.3% in tier
Loan To Share 87.2%
-6.8% YoY+6.4% QoQ
 +14.5% 72.7%
-1.5% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 Top 20.8% in tier
AMR $25,486
+4.8% YoY-0.9% QoQ
 +$1K $24,363
+2.9% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 67th in tier
CD Concentration 32.6%
+10.0% YoY-7.2% QoQ
 +8.2% 24.4%
+4.2% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#131 of 627 • Top 6.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 3.39%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.67%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#503 of 1006 • Top 18.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.76%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#793 of 1006 • Top 28.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.76%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk
#150 of 550 • Bottom 9.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 3.39%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.67%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 32.56%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Overhang

risk
#181 of 552 • Bottom 11.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 41.28%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 87.21%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Credit Quality Pressure

risk
#610 of 736 • Bottom 24.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.05% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Membership Headwinds

decline
#524 of 550 • Bottom 31.8% in tier

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

Why This Signature
Member Growth (YoY): -0.67%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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)

Comparing against 1077 peers in tier

Top Strengths (11 metrics)

1
Net Worth Ratio
risk
Value: 41.28%
Peer Avg: 12.15%
#1 of 1077 Top 0.0% in 100M-500M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
2
Fee Income Per Member
profitability
Value: $903.10
Peer Avg: $174.31
#2 of 1077 Top 0.1% in 100M-500M tier
3
Return on Assets (ROA)
profitability
Value: 3.39%
Peer Avg: 0.79%
#3 of 1077 Top 0.2% in 100M-500M tier
4
Net Charge-Off Rate
risk
Value: -0.04%
Peer Avg: 0.47%
#4 of 1077 Top 0.3% in 100M-500M tier
10
Efficiency Ratio
profitability
Value: 45.33%
Peer Avg: 77.28%
#10 of 1077 Top 0.8% in 100M-500M tier
112
Total Delinquency Rate (60+ days)
risk
Value: 0.19%
Peer Avg: 0.86%
#112 of 1077 Top 10.3% in 100M-500M tier
180
Asset Growth Rate
growth
Value: 8.79%
Peer Avg: 4.70%
#180 of 1077 Top 16.6% in 100M-500M tier
224
Loan-to-Share Ratio
balance_sheet
Value: 87.21%
Peer Avg: 72.70%
#224 of 1077 Top 20.7% in 100M-500M tier
228
Deposit Growth Rate
growth
Value: 7.61%
Peer Avg: 4.69%
#228 of 1077 Top 21.1% in 100M-500M tier

Top Weaknesses (8 metrics)

1077
Total Deposits
balance_sheet
Value: $72.19M
Peer Avg: $200.29M
#1077 of 1077 Bottom 0.1% in 100M-500M tier
1055
First Mortgage Concentration (%)
balance_sheet
Value: 69.41%
Peer Avg: 30.43%
#1055 of 1077 Bottom 2.1% in 100M-500M tier
1035
Total Members
engagement
Value: 5,303
Peer Avg: 15,628
#1035 of 1077 Bottom 4.0% in 100M-500M tier
1023
Net Interest Margin (NIM)
profitability
Value: 2.36%
Peer Avg: 3.58%
#1023 of 1077 Bottom 5.1% in 100M-500M tier
984
Members Per Employee (MPE)
engagement
Value: 220.958
Peer Avg: 332.881
#984 of 1077 Bottom 8.7% in 100M-500M tier
956
Total Loans
balance_sheet
Value: $62.96M
Peer Avg: $147.80M
#956 of 1077 Bottom 11.3% in 100M-500M tier
900
Total Assets
balance_sheet
Value: $124.44M
Peer Avg: $231.30M
#900 of 1077 Bottom 16.5% in 100M-500M tier
855
Share Certificate Concentration (%)
balance_sheet
Value: 32.56%
Peer Avg: 23.61%
#855 of 1077 Bottom 20.7% in 100M-500M tier