BlastPoint's Credit Union Scorecard
LYNN POLICE
Charter #67840 · MA
LYNN POLICE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 3.3% in tier
- - Share Certificate Concentration (%): Bottom 3.7% in tier
- - Loan Growth Rate: Bottom 5.4% in tier
- - Members Per Employee (MPE): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,020
+0.8% YoY+0.5% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$10.8M
+4.4% YoY+2.5% QoQ
|
$-19.3M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$3.9M
-20.5% YoY-7.2% QoQ
|
$-11.9M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$7.8M
+4.5% YoY+3.2% QoQ
|
$-17.9M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
31% |
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| ROA |
0.9%
+234.3% YoY-7.3% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
2.9%
+14.8% YoY+5.3% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
68.6%
-21.5% YoY+6.6% QoQ
|
-14.0% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.1%
-46.0% YoY-84.7% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
49.4%
-23.9% YoY-10.0% QoQ
|
-11.2% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$11,414
-6.0% YoY-1.0% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
49.8%
+19.5% YoY+4.2% QoQ
|
+25.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)