BlastPoint's Credit Union Scorecard

BROOKLINE MUNICIPAL

Charter #67340 · MA

<100M

2556 CUs in <100M nationally 67 in MA

BROOKLINE MUNICIPAL has 1 strength but faces 1 concern

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.33% above tier average

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 7.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	2,490 -1.1% YoY-0.7% QoQ	-125	2,615 -1.9% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	60%
Assets	$49.0M +5.5% YoY+1.4% QoQ	+$18.9M	$30.1M +2.1% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	77%
Loans	$14.3M -3.0% YoY-2.8% QoQ	$-1.5M	$15.8M -1.3% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	60%
Deposits	$42.4M +5.2% YoY+1.3% QoQ	+$16.7M	$25.7M +1.4% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	77%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	1.0% +82.3% YoY+7.2% QoQ	+0.3%	0.6% +10.8% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	64%
NIM	2.7% +14.0% YoY+1.2% QoQ	-1.3%	4.0% +4.0% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	Bottom 11.2% in tier
Efficiency Ratio	67.5% -10.0% YoY-0.3% QoQ	-15.1%	82.6% -2.3% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	22%
Delinquency Rate	0.2% +113.6% YoY-22.8% QoQ	-1.4	1.6% -3.1% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	25%
Loan To Share	33.7% -7.9% YoY-4.0% QoQ	-26.9%	60.6% -3.1% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	Bottom 13.2% in tier
AMR	$22,776 +4.1% YoY+1.0% QoQ	+$8K	$14,783 -1.4% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	Top 12.5% in tier
CD Concentration	29.6% +13.8% YoY-0.7% QoQ	+5.2%	24.4%	25.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

320

Average Member Relationship (AMR)

engagement

Value: $22,776

Peer Median: -

#320 of 2556 Top 12.5% in <100M tier

376

Members Per Employee (MPE)

engagement

Value: 498.000

Peer Median: -

#376 of 2556 Top 14.7% in <100M tier

577

Efficiency Ratio

profitability

Value: 67.48%

Peer Median: -

#577 of 2556 Top 22.5% in <100M tier

591

Total Deposits

balance_sheet

Value: $42.41M

Peer Median: -

#591 of 2556 Top 23.1% in <100M tier

597

Total Assets

balance_sheet

Value: $49.02M

Peer Median: -

#597 of 2556 Top 23.3% in <100M tier

622

Asset Growth Rate

growth

Value: 5.55%

Peer Median: -

#622 of 2556 Top 24.3% in <100M tier

634

Deposit Growth Rate

growth

Value: 5.23%

Peer Median: -

#634 of 2556 Top 24.8% in <100M tier

Top Weaknesses (4 metrics)

2360

First Mortgage Concentration (%)

balance_sheet

Value: 50.63%

Peer Median: -

#2360 of 2556 Bottom 7.7% in <100M tier

2269

Net Interest Margin (NIM)

profitability

Value: 2.69%

Peer Median: -

#2269 of 2556 Bottom 11.3% in <100M tier

2216

Loan-to-Share Ratio

balance_sheet

Value: 33.73%

Peer Median: -

#2216 of 2556 Bottom 13.3% in <100M tier

2101

Share Certificate Concentration (%)

balance_sheet

Value: 29.65%

Peer Median: -

#2101 of 2556 Bottom 17.8% in <100M tier