BlastPoint's Credit Union Scorecard

LYNN POLICE

Charter #67840 · MA

<100M

2508 CUs in <100M nationally 66 in MA

LYNN POLICE has 4 strengths but faces 4 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

+ ROA 0.41% above tier average
+ Deposit Growth Rate: Top 4.7% in tier
+ Asset Growth Rate: Top 6.7% in tier
+ Net Worth Ratio: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Share Certificate Concentration (%): Bottom 2.7% in tier
- Net Interest Margin (NIM): Bottom 4.4% in tier
- Fee Income Per Member: Bottom 4.7% in tier
- Members Per Employee (MPE): Bottom 9.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	1,022 +0.3% YoY+0.2% QoQ	-1.7K	2,676 +1.6% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	29%
Assets	$11.6M +10.5% YoY+7.5% QoQ	$-18.6M	$30.2M +1.3% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	35%
Loans	$3.8M -13.1% YoY-0.4% QoQ	$-11.4M	$15.3M -2.0% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	28%
Deposits	$8.6M +13.3% YoY+10.1% QoQ	$-17.2M	$25.8M +0.7% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	32%

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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% -56.3% YoY-38.3% QoQ	+0.4%	0.1% -77.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	48%
NIM	2.1% -31.9% YoY-26.1% QoQ	-1.9%	4.0% +4.0% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 4.4% in tier
Efficiency Ratio	73.8% +24.7% YoY+7.6% QoQ	-16.8%	90.6% +6.5% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	32%
Delinquency Rate	0.6% -61.7% YoY+459.9% QoQ	-0.9	1.5% +3.8% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	47%
Loan To Share	44.7% -23.3% YoY-9.5% QoQ	-13.8%	58.5% -3.0% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	28%
AMR	$12,147 +3.3% YoY+6.4% QoQ	$-3K	$14,884 -1.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	40%
CD Concentration	53.2% +12.4% YoY+6.7% QoQ	+28.9%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

118

Deposit Growth Rate

growth

Value: 13.27%

Peer Median: 0.66%

#118 of 2508 Top 4.7% in <100M tier

170

Asset Growth Rate

growth

Value: 10.47%

Peer Median: 1.30%

#170 of 2508 Top 6.7% in <100M tier

236

Net Worth Ratio

risk

Value: 26.01%

Peer Median: 14.28%

#236 of 2508 Top 9.4% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (5 metrics)

2441

Share Certificate Concentration (%)

balance_sheet

Value: 53.16%

Peer Median: 12.45%

#2441 of 2508 Bottom 2.7% in <100M tier

2398

Net Interest Margin (NIM)

profitability

Value: 2.14%

Peer Median: 3.83%

#2398 of 2508 Bottom 4.4% in <100M tier

2390

Fee Income Per Member

profitability

Value: $0.00

Peer Median: $60.42

#2390 of 2508 Bottom 4.7% in <100M tier

2273

Members Per Employee (MPE)

engagement

Value: 146.000

Peer Median: 333.750

#2273 of 2508 Bottom 9.4% in <100M tier

2132

Loan Growth Rate

growth

Value: -13.09%

Peer Median: -2.36%

#2132 of 2508 Bottom 15.0% in <100M tier