BlastPoint's Credit Union Scorecard
METRO
Charter #66364 · MA
METRO has 5 strengths but faces 12 concerns
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 97.6% in tier
- + Total Delinquency Rate (60+ days): Top 5.3% in tier
- + Net Charge-Off Rate: Top 6.6% in tier
- + Members Per Employee (MPE): Top 7.9% in tier
- + Loan-to-Share Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 21.3% in tier
- - Shrinking Wallet Share: Bottom 26.9% in tier
- - Liquidity Strain: Bottom 46.1% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 80.5% in tier
- - Indirect Auto Dependency: Bottom 82.0% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 12.43% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 5.3% in tier
- - Asset Growth Rate: Bottom 7.9% in tier
- - Loan Growth Rate: Bottom 7.9% in tier
- - AMR Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
213,040
+1.5% YoY-2.7% QoQ
|
-17.3K |
230,353
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$3.3B
-4.1% YoY+2.1% QoQ
|
$-643.5M |
$3.9B
+0.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$2.8B
-5.2% YoY-0.0% QoQ
|
$-135.8M |
$2.9B
-0.2% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$2.7B
-1.6% YoY+2.1% QoQ
|
$-633.7M |
$3.3B
-0.3% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.5% in tier |
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| ROA |
0.4%
+54.1% YoY-3.0% QoQ
|
-0.4% |
0.7%
+16.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
2.0%
+18.8% YoY+1.6% QoQ
|
-1.2% |
3.1%
+9.8% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.9% in tier |
| Efficiency Ratio |
83.8%
-2.1% YoY+0.5% QoQ
|
+12.4% |
71.4%
-1.4% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 10.5% in tier |
| Delinquency Rate |
0.2%
+27.7% YoY+48.5% QoQ
|
-0.6 |
0.9%
+5.8% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 5.3% in tier |
| Loan To Share |
104.6%
-3.6% YoY-2.0% QoQ
|
+15.6% |
88.9%
-0.2% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 10.5% in tier |
| AMR |
$25,706
-4.9% YoY+3.8% QoQ
|
$-4K |
$29,682
+1.5% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration |
32.2%
-2.5% YoY-0.5% QoQ
|
+3.1% | 29.0% | 25.0% | 19.8% | 66% |
| Indirect Auto % |
30.2%
-12.9% YoY-1.9% QoQ
|
+11.9% | 18.3% | 2.4% | 7.8% | 77% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (6)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)