BlastPoint's Credit Union Scorecard
METRO
Charter #66364 · MA
METRO has 1 strength but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.8% in tier
- - Liquidity Strain: Bottom 8.4% in tier
- - Efficiency Drag: Bottom 11.2% in tier
- - Shrinking Wallet Share: Bottom 87.6% in tier
- - Indirect Auto Dependency: Bottom 94.7% in tier
- - ROA 0.47% below tier average
- - Efficiency ratio 14.35% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 5.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
215,295
+0.9% YoY+1.1% QoQ
|
-5.1K |
220,435
-7.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
55% |
| Assets |
$3.3B
-2.1% YoY+0.1% QoQ
|
$-614.8M |
$3.9B
-1.5% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$2.8B
-2.3% YoY-0.9% QoQ
|
$-118.2M |
$2.9B
-1.1% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
40% |
| Deposits |
$2.7B
+0.5% YoY+2.6% QoQ
|
$-550.1M |
$3.3B
-2.5% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
20% |
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| ROA |
0.3%
-49.3% YoY-26.6% QoQ
|
-0.5% |
0.7%
+10.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
15% |
| NIM |
2.1%
+17.3% YoY+6.5% QoQ
|
-1.1% |
3.2%
+4.6% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.8% in tier |
| Efficiency Ratio |
85.6%
+7.7% YoY+2.1% QoQ
|
+14.4% |
71.3%
-2.6% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.7% in tier |
| Delinquency Rate |
0.6%
+398.1% YoY+142.2% QoQ
|
-0.1 |
0.7%
+9.2% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
101.0%
-2.8% YoY-3.4% QoQ
|
+13.0% |
88.0%
+0.9% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Top 12.8% in tier |
| AMR |
$25,652
-1.8% YoY-0.2% QoQ
|
$-5K |
$30,672
+5.5% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
32.6%
-1.2% YoY+1.3% QoQ
|
+3.7% | 28.8% | 25.2% | 19.8% | 67% |
| Indirect Auto % |
30.0%
-7.4% YoY-0.8% QoQ
|
+11.9% | 18.1% | 2.3% | 7.7% | 77% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)