BlastPoint's Credit Union Scorecard

SOUTHBRIDGE

Charter #66374 · MA

100M-500M

1069 CUs in 100M-500M nationally 32 in MA

SOUTHBRIDGE has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.31% below tier average
- Efficiency ratio 9.38% above tier (higher cost structure)
- Member decline: -3.8% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	11,332 -3.8% YoY-1.3% QoQ	-4.1K	15,437 -2.9% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	38%
Assets	$236.3M +6.2% YoY+2.3% QoQ	+$4.5M	$231.9M +1.3% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	60%
Loans	$173.9M +0.2% YoY-0.8% QoQ	+$26.5M	$147.3M -0.1% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	68%
Deposits	$206.9M +7.2% YoY+2.3% QoQ	+$6.1M	$200.8M +0.8% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	60%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +97.1% YoY+6.6% QoQ	-0.3%	0.8% +18.2% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	28%
NIM	3.3% +7.1% YoY+0.3% QoQ	-0.3%	3.6% +6.7% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	31%
Efficiency Ratio	86.4% -4.0% YoY-0.1% QoQ	+9.4%	77.0% -3.1% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	82%
Delinquency Rate	0.2% -23.8% YoY+17.2% QoQ	-0.7	0.9% +4.2% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	Top 11.2% in tier
Loan To Share	84.0% -6.6% YoY-3.1% QoQ	+11.8%	72.2% -1.1% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	72%
AMR	$33,602 +8.0% YoY+2.2% QoQ	+$9K	$24,676 +3.4% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	Top 11.2% in tier
CD Concentration	29.1% +9.0% YoY+0.9% QoQ	+4.7%	24.4%	25.0%	19.8%	50%
Indirect Auto %	0.1% -55.6% YoY-24.2% QoQ	-13.7%	13.8%	2.4%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#62 of 268 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 8.05%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.2K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#239 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.05%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (3)

Membership Headwinds

decline

#199 of 554 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -3.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#308 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 0.19%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.23%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#310 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.40%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.22% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -3.84%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

108

Loan-to-Member Ratio (LMR)

engagement

Value: $15,342

Peer Median: -

#108 of 1069 Top 10.0% in 100M-500M tier

120

Average Member Relationship (AMR)

engagement

Value: $33,602

Peer Median: -

#120 of 1069 Top 11.1% in 100M-500M tier

121

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Median: -

#121 of 1069 Top 11.2% in 100M-500M tier

188

AMR Growth Rate

growth

Value: 8.05%

Peer Median: -

#188 of 1069 Top 17.5% in 100M-500M tier

266

Deposit Growth Rate

growth

Value: 7.22%

Peer Median: -

#266 of 1069 Top 24.8% in 100M-500M tier

Top Weaknesses (3 metrics)

935

First Mortgage Concentration (%)

balance_sheet

Value: 51.40%

Peer Median: -

#935 of 1069 Bottom 12.6% in 100M-500M tier

905

Member Growth Rate

growth

Value: -3.84%

Peer Median: -

#905 of 1069 Bottom 15.4% in 100M-500M tier

875

Efficiency Ratio

profitability

Value: 86.40%

Peer Median: -

#875 of 1069 Bottom 18.2% in 100M-500M tier