BlastPoint's Credit Union Scorecard

FALL RIVER MUNICIPAL

Charter #67894 · MA

100M-500M

1070 CUs in 100M-500M nationally 30 in MA

FALL RIVER MUNICIPAL has 2 strengths but faces 8 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 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.70% below tier average
- Efficiency ratio 18.53% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 1.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	13,082 -1.9% YoY-0.1% QoQ	-2.1K	15,145 -2.5% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	50%
Assets	$315.1M +5.0% YoY-0.1% QoQ	+$83.4M	$231.7M +0.8% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	75%
Loans	$188.5M +6.0% YoY-0.0% QoQ	+$44.3M	$144.1M +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	73%
Deposits	$236.5M +5.3% YoY+2.0% QoQ	+$35.4M	$201.1M +0.4% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	68%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.0% -106.6% YoY-75.4% QoQ	-0.7%	0.7% +5.1% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	Bottom 8.6% in tier
NIM	1.9% +13.9% YoY+11.6% QoQ	-1.7%	3.6% +4.6% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 0.9% in tier
Efficiency Ratio	96.6% -12.3% YoY+6.9% QoQ	+18.5%	78.0% -1.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 4.9% in tier
Delinquency Rate	0.2% +18.7% YoY-53.5% QoQ	-0.5	0.8% +7.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	16%
Loan To Share	79.7% +0.7% YoY-1.9% QoQ	+9.3%	70.4% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	67%
AMR	$32,486 +7.6% YoY+1.1% QoQ	+$8K	$24,918 +2.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 13.4% in tier
CD Concentration	41.6% +4.8% YoY+3.3% QoQ	+17.4%	24.3%	25.2%	19.8%	50%
Indirect Auto %	1.0% -41.4% YoY-8.9% QoQ	-12.8%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#62 of 257 • Top 50.0% 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): 7.65%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $2.5K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#228 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 7.65%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (5)

Efficiency Drag

risk

#128 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 96.56%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.40% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -1.88%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Membership Headwinds

decline

#368 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.88%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#367 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.05%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#618 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Stagnation Risk

risk

#513 of 570 • Bottom 50.0% 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): -1.88%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 6.05%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.23%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 1070 peers in tier

Top Strengths (6 metrics)

133

Loan-to-Member Ratio (LMR)

engagement

Value: $14,406

Peer Median: $9,356

#133 of 1070 Top 12.3% in 100M-500M tier

143

Average Member Relationship (AMR)

engagement

Value: $32,486

Peer Median: $22,931

#143 of 1070 Top 13.3% in 100M-500M tier

172

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Median: 0.61%

#172 of 1070 Top 16.0% in 100M-500M tier

178

AMR Growth Rate

growth

Value: 7.65%

Peer Median: 3.46%

#178 of 1070 Top 16.5% in 100M-500M tier

179

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.35%

#179 of 1070 Top 16.6% in 100M-500M tier

264

Total Assets

balance_sheet

Value: $315.09M

Peer Median: $196.57M

#264 of 1070 Top 24.6% in 100M-500M tier

Top Weaknesses (7 metrics)

1060

Net Interest Margin (NIM)

profitability

Value: 1.94%

Peer Median: 3.62%

#1060 of 1070 Bottom 1.0% in 100M-500M tier

1019

Efficiency Ratio

profitability

Value: 96.56%

Peer Median: 78.68%

#1019 of 1070 Bottom 4.9% in 100M-500M tier

1005

Share Certificate Concentration (%)

balance_sheet

Value: 41.64%

Peer Median: 23.10%

#1005 of 1070 Bottom 6.2% in 100M-500M tier

1003

Fee Income Per Member

profitability

Value: $67.43

Peer Median: $154.95

#1003 of 1070 Bottom 6.4% in 100M-500M tier

978

Return on Assets (ROA)

profitability

Value: 0.02%

Peer Median: 0.69%

#978 of 1070 Bottom 8.7% in 100M-500M tier

862

Net Worth Ratio

risk

Value: 9.43%

Peer Median: 11.45%

#862 of 1070 Bottom 19.5% in 100M-500M tier

815

Members Per Employee (MPE)

engagement

Value: 261.640

Peer Median: 309.176

#815 of 1070 Bottom 23.9% in 100M-500M tier