BlastPoint's Credit Union Scorecard

COMMUNITY CREDIT UNION OF LYNN

Charter #67558 · MA

1069 CUs in 100M-500M nationally 32 in MA

COMMUNITY CREDIT UNION OF LYNN has 6 strengths but faces 11 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 4.1% in tier
+ Wallet Share Momentum: Top 9.4% in tier
+ Loan-to-Member Ratio (LMR): Top 2.2% in tier
+ Average Member Relationship (AMR): Top 3.1% in tier
+ AMR Growth Rate: Top 3.4% in tier
+ Deposit Growth Rate: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 13.8% in tier
- Membership Headwinds: Bottom 34.4% in tier
- Liquidity Strain: Bottom 52.9% in tier
- Stagnation Risk: Bottom 58.0% in tier
- ROA 1.34% below tier average
- Efficiency ratio 34.05% above tier (higher cost structure)
- Delinquency rate 0.10% above tier average
- Member decline: -4.0% YoY
- Net Worth Ratio: Bottom 0.7% in tier
- Members Per Employee (MPE): Bottom 3.9% in tier
- Total Members: Bottom 6.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	6,171 -4.0% YoY-4.9% QoQ	-9.3K	15,437 -2.9% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	Bottom 6.5% in tier
Assets	$181.3M +7.2% YoY-1.3% QoQ	$-50.6M	$231.9M +1.3% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	44%
Loans	$142.0M +10.2% YoY-0.5% QoQ	$-5.3M	$147.3M -0.1% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	58%
Deposits	$153.7M +10.8% YoY-1.1% QoQ	$-47.1M	$200.8M +0.8% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	43%

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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	-0.6% -17.0% YoY-8.9% QoQ	-1.3%	0.8% +18.2% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	Bottom 2.4% in tier
NIM	2.9% -2.8% YoY+1.7% QoQ	-0.7%	3.6% +6.7% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	Bottom 14.1% in tier
Efficiency Ratio	111.1% -0.8% YoY-1.5% QoQ	+34.1%	77.0% -3.1% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	Top 0.8% in tier
Delinquency Rate	1.0% -9.5% YoY-21.4% QoQ	+0.1	0.9% +4.2% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	68%
Loan To Share	92.4% -0.5% YoY+0.6% QoQ	+20.2%	72.2% -1.1% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	Top 10.5% in tier
AMR	$47,925 +15.1% YoY+4.3% QoQ	+$23K	$24,676 +3.4% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	Top 3.2% in tier
CD Concentration	19.5% -14.6% YoY+3.0% QoQ	-4.9%	24.4%	25.0%	19.8%	50%
Indirect Auto %	0.0% -96.7% YoY-74.9% QoQ	-13.8%	13.8%	2.4%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#12 of 268 • Top 4.1% 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): 15.06%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $6.0K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#49 of 513 • Top 9.4% in tier

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

Why This Signature

AMR Growth (YoY): 15.06%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#75 of 538 • Bottom 13.8% in tier

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

Why This Signature

Efficiency Ratio: 111.07%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.12% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -3.97%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Membership Headwinds

decline

#191 of 554 • Bottom 34.4% in tier

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

Why This Signature

Member Growth (YoY): -3.97%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Liquidity Strain

risk

#121 of 228 • Bottom 52.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.42%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 10.18%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Stagnation Risk

risk

#322 of 554 • Bottom 58.0% 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): -3.97%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 10.18%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.99%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 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 1069 peers in tier

Top Strengths (6 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $23,018

Peer Median: -

#25 of 1069 Top 2.2% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $47,925

Peer Median: -

#34 of 1069 Top 3.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 15.06%

Peer Median: -

#37 of 1069 Top 3.4% in 100M-500M tier

Deposit Growth Rate

growth

Value: 10.78%

Peer Median: -

#98 of 1069 Top 9.1% in 100M-500M tier

112

Loan-to-Share Ratio

balance_sheet

Value: 92.42%

Peer Median: -

#112 of 1069 Top 10.4% in 100M-500M tier

162

Loan Growth Rate

growth

Value: 10.18%

Peer Median: -

#162 of 1069 Top 15.1% in 100M-500M tier

Top Weaknesses (8 metrics)

1062

Net Worth Ratio

risk

Value: 6.89%

Peer Median: -

#1062 of 1069 Bottom 0.7% in 100M-500M tier

1061

Efficiency Ratio

profitability

Value: 111.07%

Peer Median: -

#1061 of 1069 Bottom 0.8% in 100M-500M tier

1043

Return on Assets (ROA)

profitability

Value: -0.57%

Peer Median: -

#1043 of 1069 Bottom 2.5% in 100M-500M tier

1028

Members Per Employee (MPE)

engagement

Value: 199.065

Peer Median: -

#1028 of 1069 Bottom 3.9% in 100M-500M tier

1000

Total Members

engagement

Value: 6,171

Peer Median: -

#1000 of 1069 Bottom 6.5% in 100M-500M tier

918

Net Interest Margin (NIM)

profitability

Value: 2.88%

Peer Median: -

#918 of 1069 Bottom 14.2% in 100M-500M tier

910

Member Growth Rate

growth

Value: -3.97%

Peer Median: -

#910 of 1069 Bottom 15.0% in 100M-500M tier

885

First Mortgage Concentration (%)

balance_sheet

Value: 47.42%

Peer Median: -

#885 of 1069 Bottom 17.3% in 100M-500M tier