BlastPoint's Credit Union Scorecard
LIBERTY BAY
Charter #67541 · MA
LIBERTY BAY has 6 strengths but faces 12 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 59.5% in tier
- + Net Charge-Off Rate: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.9% in tier
- + Loan-to-Member Ratio (LMR): Top 1.7% in tier
- + Average Member Relationship (AMR): Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 25.1% in tier
- - Flatlined Growth: Bottom 35.0% in tier
- - Membership Headwinds: Bottom 58.4% in tier
- - Stagnation Risk: Bottom 71.1% in tier
- - Efficiency Drag: Bottom 79.9% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 6.94% above tier (higher cost structure)
- - Member decline: -2.2% YoY
- - Total Deposits: Bottom 0.9% in tier
- - Total Members: Bottom 3.4% in tier
- - First Mortgage Concentration (%): Bottom 8.5% in tier
- - Net Interest Margin (NIM): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,668
-2.2% YoY-1.9% QoQ
|
-30.4K |
52,084
-1.6% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 2.6% in tier |
| Assets |
$819.6M
+1.4% YoY+0.5% QoQ
|
$-44.3M |
$863.9M
+0.5% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$636.5M
-0.4% YoY-0.4% QoQ
|
+$30.6M |
$605.8M
+1.4% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$565.7M
+4.7% YoY+1.2% QoQ
|
$-171.6M |
$737.3M
+0.1% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.0% in tier |
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| ROA |
0.6%
+80.5% YoY+6.9% QoQ
|
-0.2% |
0.7%
+39.1% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
2.5%
+9.3% YoY+1.5% QoQ
|
-0.9% |
3.4%
+8.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.5% in tier |
| Efficiency Ratio |
81.3%
-4.8% YoY-1.2% QoQ
|
+6.9% |
74.3%
-3.6% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.3%
-27.0% YoY-34.8% QoQ
|
-0.6 |
0.9%
+3.8% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 11.1% in tier |
| Loan To Share |
112.5%
-4.9% YoY-1.6% QoQ
|
+30.0% |
82.6%
+1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 1.7% in tier |
| AMR |
$55,479
+4.3% YoY+2.3% QoQ
|
+$27K |
$28,873
+2.7% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 3.4% in tier |
| CD Concentration |
33.9%
+3.1% YoY-1.1% QoQ
|
+9.5% | 24.4% | 25.0% | 19.8% | 81% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)