BlastPoint's Credit Union Scorecard

LIBERTY BAY

Charter #67541 · MA

Community 750M-1B

117 CUs in 750M-1B nationally 7 in MA

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LIBERTY BAY has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 28.3% in tier
+ Wallet Share Momentum: Top 28.3% in tier
+ Total Delinquency Rate (60+ days): Top 0.9% in tier
+ Loan-to-Member Ratio (LMR): Top 0.9% in tier
+ Loan-to-Share Ratio: Top 1.7% in tier
+ Average Member Relationship (AMR): Top 1.7% in tier
+ Net Charge-Off Rate: Top 3.4% in tier
+ Net Worth Ratio: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.0% in tier
- Efficiency Drag: Bottom 44.2% in tier
- Membership Headwinds: Bottom 74.4% in tier
- Stagnation Risk: Bottom 74.4% in tier
- ROA 0.27% below tier average
- Efficiency ratio 4.56% above tier (higher cost structure)
- Member decline: -2.2% YoY
- Total Deposits: Bottom 2.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	21,692 -2.2% YoY+0.1% QoQ	-29.8K	51,500 +0.7% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	Bottom 2.6% in tier
Assets	$839.9M +2.9% YoY+2.5% QoQ	$-25.7M	$865.6M +0.9% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	42%
Loans	$642.8M +2.3% YoY+1.0% QoQ	+$47.5M	$595.3M +1.6% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	62%
Deposits	$590.6M +5.3% YoY+4.4% QoQ	$-151.6M	$742.2M +0.6% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	Bottom 1.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +74.7% YoY-10.6% QoQ	-0.3%	0.8% +45.0% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	36%
NIM	2.6% +11.8% YoY+5.0% QoQ	-0.8%	3.5% +6.1% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 6.8% in tier
Efficiency Ratio	80.1% -11.1% YoY-1.5% QoQ	+4.6%	75.5% -3.4% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	65%
Delinquency Rate	0.1% -63.0% YoY-67.2% QoQ	-0.6	0.7% -0.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	Top 0.9% in tier
Loan To Share	108.8% -2.9% YoY-3.3% QoQ	+28.2%	80.6% +0.7% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	Top 2.6% in tier
AMR	$56,859 +6.0% YoY+2.5% QoQ	+$28K	$28,908 +0.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 2.6% in tier
CD Concentration	34.1% +2.9% YoY+0.6% QoQ	+9.9%	24.3%	25.2%	19.8%	82%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#105 of 257 • Top 28.3% 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): 6.00%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.6K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#377 of 491 • Top 28.3% in tier

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

Why This Signature

AMR Growth (YoY): 6.00%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (4)

Liquidity Strain

risk

#40 of 183 • Bottom 1.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 108.84%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 2.29%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Membership Headwinds

decline

#342 of 570 • Bottom 74.4% in tier

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

Why This Signature

Member Growth (YoY): -2.16%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#492 of 596 • Bottom 44.2% in tier

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

Why This Signature

Efficiency Ratio: 80.09%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.21% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -2.16%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Stagnation Risk

risk

#473 of 570 • Bottom 74.4% 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): -2.16%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.29%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.09%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

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 117 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.79%

#1 of 117 Top 0.1% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: 0.56%

#2 of 117 Top 0.9% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $29,633

Peer Median: $11,598

#2 of 117 Top 0.9% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 108.84%

Peer Median: 84.41%

#3 of 117 Top 1.7% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $56,859

Peer Median: $26,209

#3 of 117 Top 1.7% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.04%

Peer Median: 0.47%

#5 of 117 Top 3.4% in 750M-1B tier

Net Worth Ratio

risk

Value: 14.70%

Peer Median: 10.69%

#12 of 117 Top 9.4% in 750M-1B tier

Top Weaknesses (7 metrics)

115

Total Deposits

balance_sheet

Value: $590.58M

Peer Median: $735.65M

#115 of 117 Bottom 2.6% in 750M-1B tier

114

Total Members

engagement

Value: 21,692

Peer Median: 51,712

#114 of 117 Bottom 3.4% in 750M-1B tier

109

Net Interest Margin (NIM)

profitability

Value: 2.64%

Peer Median: 3.47%

#109 of 117 Bottom 7.7% in 750M-1B tier

108

First Mortgage Concentration (%)

balance_sheet

Value: 55.26%

Peer Median: 32.60%

#108 of 117 Bottom 8.5% in 750M-1B tier

103

Fee Income Per Member

profitability

Value: $116.39

Peer Median: $187.56

#103 of 117 Bottom 12.8% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 34.13%

Peer Median: 26.77%

#93 of 117 Bottom 21.4% in 750M-1B tier

Member Growth Rate

growth

Value: -2.16%

Peer Median: 0.97%

#91 of 117 Bottom 23.1% in 750M-1B tier