BlastPoint's Credit Union Scorecard
COMMUNITY CREDIT UNION OF LYNN
Charter #67558 · MA
COMMUNITY CREDIT UNION OF LYNN has 6 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 57.6% YoY
- + Member Growth Rate: Top 0.5% in tier
- + Loan-to-Member Ratio (LMR): Top 2.7% in tier
- + Average Member Relationship (AMR): Top 3.4% in tier
- + Loan Growth Rate: Top 9.0% in tier
- + Deposit Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 0.1% in tier
- - Wealth Migration Risk: Bottom 2.7% in tier
- - Credit Risk Growth: Bottom 4.1% in tier
- - Efficiency Drag: Bottom 8.2% in tier
- - Credit Quality Pressure: Bottom 12.6% in tier
- - Liquidity Strain: Bottom 16.9% in tier
- - ROA 1.42% below tier average
- - Efficiency ratio 35.46% above tier (higher cost structure)
- - Delinquency rate 0.40% above tier average
- - AMR Growth Rate: Bottom 0.5% in tier
- - Net Worth Ratio: Bottom 0.6% in tier
- - Members Per Employee (MPE): Bottom 5.8% in tier
- - Total Members: Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,490
+57.6% YoY+0.3% QoQ
|
-9.1K |
15,628
-3.4% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 7.3% in tier |
| Assets |
$183.8M
+7.0% YoY+0.3% QoQ
|
$-47.5M |
$231.3M
-0.0% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
45% |
| Loans |
$142.8M
+12.7% YoY+3.3% QoQ
|
$-5.0M |
$147.8M
-1.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
58% |
| Deposits |
$155.4M
+10.6% YoY+1.6% QoQ
|
$-44.9M |
$200.3M
-0.0% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
43% |
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| ROA |
-0.6%
-14.2% YoY-7.5% QoQ
|
-1.4% |
0.8%
+15.5% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.7% in tier |
| NIM |
2.8%
-5.4% YoY-1.6% QoQ
|
-0.8% |
3.6%
+6.9% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.1% in tier |
| Efficiency Ratio |
112.7%
-0.4% YoY-1.0% QoQ
|
+35.5% |
77.3%
-3.0% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 0.5% in tier |
| Delinquency Rate |
1.3%
+23.9% YoY+63.5% QoQ
|
+0.4 |
0.9%
+7.6% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
91.9%
+1.9% YoY+1.7% QoQ
|
+19.2% |
72.7%
-1.5% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 12.3% in tier |
| AMR |
$45,943
-29.2% YoY+2.1% QoQ
|
+$22K |
$24,363
+2.9% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 3.5% in tier |
| CD Concentration |
18.9%
-14.3% YoY-14.6% QoQ
|
-5.5% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-92.0% YoY-60.3% QoQ
|
-14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (6)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)