BlastPoint's Credit Union Scorecard

FALL RIVER MUNICIPAL

Charter #67894 · MA

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

FALL RIVER MUNICIPAL has 2 strengths but faces 7 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 17.6% in tier
+ Wallet Share Momentum: Top 35.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 2.8% in tier
- Membership Headwinds: Bottom 69.1% in tier
- Stagnation Risk: Bottom 88.2% in tier
- ROA 0.66% below tier average
- Efficiency ratio 13.29% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 1.0% in tier
- Share Certificate Concentration (%): Bottom 7.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	13,089 -1.7% YoY-1.9% QoQ	-2.3K	15,437 -2.9% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	48%
Assets	$315.5M +6.3% YoY+3.3% QoQ	+$83.6M	$231.9M +1.3% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	76%
Loans	$188.5M +5.2% YoY+1.7% QoQ	+$41.2M	$147.3M -0.1% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	72%
Deposits	$232.0M +8.7% YoY+3.5% QoQ	+$31.2M	$200.8M +0.8% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	67%

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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	0.1% +16.1% YoY+15.9% QoQ	-0.7%	0.8% +18.2% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	Bottom 9.1% in tier
NIM	1.7% +5.3% YoY-0.9% QoQ	-1.9%	3.6% +6.7% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	Bottom 0.9% in tier
Efficiency Ratio	90.3% -3.4% YoY-1.0% QoQ	+13.3%	77.0% -3.1% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	Top 9.2% in tier
Delinquency Rate	0.5% -5.5% YoY+35.9% QoQ	-0.4	0.9% +4.2% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	32%
Loan To Share	81.3% -3.3% YoY-1.7% QoQ	+9.0%	72.2% -1.1% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	67%
AMR	$32,127 +9.0% YoY+4.7% QoQ	+$7K	$24,676 +3.4% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	Top 13.6% in tier
CD Concentration	40.3% +3.2% YoY-0.8% QoQ	+15.9%	24.4%	25.0%	19.8%	50%
Indirect Auto %	1.1% -44.2% YoY-14.9% QoQ	-12.6%	13.8%	2.4%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#48 of 268 • Top 17.6% 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): 9.01%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $2.6K

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

but worse than tier avg

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

↑ Growing +46 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#184 of 513 • Top 35.7% in tier

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

Why This Signature

AMR Growth (YoY): 9.01%

(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 | Rank worsening

Concerns (3)

Efficiency Drag

risk

#16 of 538 • Bottom 2.8% in tier

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

Why This Signature

Efficiency Ratio: 90.31%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.01% points

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

worse than tier avg

Member Growth (YoY): -1.74%

(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

#383 of 554 • Bottom 69.1% in tier

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

Why This Signature

Member Growth (YoY): -1.74%

(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

Stagnation Risk

risk

#489 of 554 • Bottom 88.2% 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): -1.74%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 5.17%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.50%

(Tier: 0.89%, National: 1.28%)

but better 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 (5 metrics)

134

Loan-to-Member Ratio (LMR)

engagement

Value: $14,402

Peer Median: -

#134 of 1069 Top 12.4% in 100M-500M tier

145

Average Member Relationship (AMR)

engagement

Value: $32,127

Peer Median: -

#145 of 1069 Top 13.5% in 100M-500M tier

148

AMR Growth Rate

growth

Value: 9.01%

Peer Median: -

#148 of 1069 Top 13.8% in 100M-500M tier

180

Deposit Growth Rate

growth

Value: 8.75%

Peer Median: -

#180 of 1069 Top 16.7% in 100M-500M tier

261

Total Assets

balance_sheet

Value: $315.46M

Peer Median: -

#261 of 1069 Top 24.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1059

Net Interest Margin (NIM)

profitability

Value: 1.74%

Peer Median: -

#1059 of 1069 Bottom 1.0% in 100M-500M tier

990

Share Certificate Concentration (%)

balance_sheet

Value: 40.33%

Peer Median: -

#990 of 1069 Bottom 7.5% in 100M-500M tier

972

Return on Assets (ROA)

profitability

Value: 0.10%

Peer Median: -

#972 of 1069 Bottom 9.2% in 100M-500M tier

972

Efficiency Ratio

profitability

Value: 90.31%

Peer Median: -

#972 of 1069 Bottom 9.2% in 100M-500M tier

864

Net Worth Ratio

risk

Value: 9.42%

Peer Median: -

#864 of 1069 Bottom 19.3% in 100M-500M tier

839

Members Per Employee (MPE)

engagement

Value: 256.647

Peer Median: -

#839 of 1069 Bottom 21.6% in 100M-500M tier