BlastPoint's Credit Union Scorecard
NEW BEDFORD
Charter #66733 · MA
NEW BEDFORD has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.12% above tier average
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 0.07% below tier average
- - Efficiency ratio 4.03% above tier (higher cost structure)
- - Member decline: -4.2% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,582
-4.2% YoY-1.1% QoQ
|
-4.6K |
15,145
-2.5% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
35% |
| Assets |
$168.6M
-0.5% YoY+0.7% QoQ
|
$-63.1M |
$231.7M
+0.8% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
38% |
| Loans |
$115.4M
+3.4% YoY-0.9% QoQ
|
$-28.7M |
$144.1M
+0.2% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
46% |
| Deposits |
$150.1M
-1.3% YoY+0.7% QoQ
|
$-51.1M |
$201.1M
+0.4% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
41% |
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| ROA |
0.7%
-14.7% YoY-11.2% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
47% |
| NIM |
3.8%
+3.3% YoY-0.8% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
60% |
| Efficiency Ratio |
82.1%
+1.1% YoY-0.6% QoQ
|
+4.0% |
78.0%
-1.7% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
0.6%
-2.0% YoY-15.9% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
50% |
| Loan To Share |
76.9%
+4.7% YoY-1.6% QoQ
|
+6.5% |
70.4%
-0.4% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
60% |
| AMR |
$25,088
+5.1% YoY+1.1% QoQ
|
+$170 |
$24,918
+2.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
62% |
| CD Concentration |
20.3%
+6.8% YoY+1.1% QoQ
|
-4.0% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % |
1.1%
-28.9% YoY-10.8% QoQ
|
-12.7% | 13.8% | 2.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)