BlastPoint's Credit Union Scorecard
LIBERTY BAY
Charter #67541 · MA
LIBERTY BAY has 8 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 26.7% in tier
- + Wallet Share Momentum: Top 26.7% in tier
- + Net Charge-Off Rate: Top 1.8% in tier
- + Average Member Relationship (AMR): Top 1.8% in tier
- + Loan-to-Member Ratio (LMR): Top 1.8% in tier
- + Loan-to-Share Ratio: Top 3.6% in tier
- + Total Delinquency Rate (60+ days): Top 9.0% in tier
- + Net Worth Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.1% in tier
- - Efficiency Drag: Bottom 39.1% in tier
- - Membership Headwinds: Bottom 79.8% in tier
- - Stagnation Risk: Bottom 79.8% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 6.01% above tier (higher cost structure)
- - Member decline: -2.7% YoY
- - Total Deposits: Bottom 2.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 6 that size in Massachusetts.
- Shares and deposits +6.3% year over year ($591M in shares and deposits).
- Membership: 21,624 members, -2.7% vs a year ago.
- Delinquency rate 0.24%.
- Return on assets 0.53%.
- Efficiency ratio 80.55% vs a 74.54% peer average.
- Loan-to-share ratio 108.92% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,624
-2.7% YoY-0.3% QoQ
|
-30.9K |
52,482
+1.3% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
Bottom 1.8% in tier |
| Assets |
$827.4M
+1.9% YoY-1.5% QoQ
|
$-36.6M |
$863.9M
+0.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
38% |
| Loans |
$644.1M
+1.1% YoY+0.2% QoQ
|
+$36.3M |
$607.8M
+2.1% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
59% |
| Deposits |
$591.3M
+6.3% YoY+0.1% QoQ
|
$-148.6M |
$739.9M
+0.2% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 1.8% in tier |
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| ROA |
0.5%
+10.9% YoY+7.4% QoQ
|
-0.3% |
0.8%
+30.4% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
2.7%
+12.8% YoY+3.0% QoQ
|
-0.8% |
3.5%
+6.2% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.9% in tier |
| Efficiency Ratio |
80.5%
-3.0% YoY+0.6% QoQ
|
+6.0% |
74.5%
-1.4% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
0.2%
-37.6% YoY+175.3% QoQ
|
-0.6 |
0.8%
+1.0% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Top 9.0% in tier |
| Loan To Share |
108.9%
-4.9% YoY+0.1% QoQ
|
+26.3% |
82.6%
+1.9% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
Top 4.5% in tier |
| AMR |
$57,134
+6.4% YoY+0.5% QoQ
|
+$28K |
$28,702
+0.4% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Top 2.7% in tier |
| CD Concentration |
33.7%
-2.3% YoY-1.3% QoQ
|
+9.1% | 24.6% | 25.4% | 20.0% | 81% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)