BlastPoint's Credit Union Scorecard

TREMONT

Charter #68349 · MA

100M-500M

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

TREMONT has 1 strength 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

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.57% below tier average
- Efficiency ratio 27.52% above tier (higher cost structure)
- Delinquency rate 0.06% above tier average
- Member decline: -3.5% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	12,744 -3.5% YoY-0.4% QoQ	-2.4K	15,145 -2.5% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	48%
Assets	$258.7M -2.8% YoY-1.1% QoQ	+$27.0M	$231.7M +0.8% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	65%
Loans	$172.7M -2.5% YoY-0.1% QoQ	+$28.6M	$144.1M +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	69%
Deposits	$219.2M +0.9% YoY-0.9% QoQ	+$18.0M	$201.1M +0.4% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	63%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	0.2% -32.4% YoY-45.7% QoQ	-0.6%	0.7% +5.1% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	Bottom 14.6% in tier
NIM	3.1% -2.1% YoY-3.0% QoQ	-0.6%	3.6% +4.6% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	19%
Efficiency Ratio	105.5% +16.8% YoY+7.5% QoQ	+27.5%	78.0% -1.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 2.0% in tier
Delinquency Rate	0.8% -41.1% YoY-50.0% QoQ	+0.1	0.8% +7.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	67%
Loan To Share	78.8% -3.4% YoY+0.7% QoQ	+8.4%	70.4% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	65%
AMR	$30,750 +3.0% YoY-0.1% QoQ	+$6K	$24,918 +2.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	83%
CD Concentration	26.0% +1.1% YoY+0.4% QoQ	+1.7%	24.3%	25.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#189 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): 3.01%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.2K

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

better than tier avg

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

↑ Growing +27 CUs YoY | Rank improving

Concerns (4)

Efficiency Drag

risk

#40 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: 105.54%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.07% points

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

worse than tier avg

Member Growth (YoY): -3.52%

(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

Stagnation Risk

risk

#122 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): -3.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.51%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.83%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

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

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

Membership Headwinds

decline

#209 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): -3.52%

(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

Institutional Decline

decline

#110 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $258.73M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.51%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

173

Loan-to-Member Ratio (LMR)

engagement

Value: $13,553

Peer Median: $9,356

#173 of 1070 Top 16.1% in 100M-500M tier

181

Average Member Relationship (AMR)

engagement

Value: $30,750

Peer Median: $22,931

#181 of 1070 Top 16.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1050

Efficiency Ratio

profitability

Value: 105.54%

Peer Median: 78.68%

#1050 of 1070 Bottom 2.0% in 100M-500M tier

1000

Asset Growth Rate

growth

Value: -2.80%

Peer Median: 3.91%

#1000 of 1070 Bottom 6.6% in 100M-500M tier

956

Members Per Employee (MPE)

engagement

Value: 227.571

Peer Median: 309.176

#956 of 1070 Bottom 10.7% in 100M-500M tier

953

First Mortgage Concentration (%)

balance_sheet

Value: 52.44%

Peer Median: 29.47%

#953 of 1070 Bottom 11.0% in 100M-500M tier

914

Return on Assets (ROA)

profitability

Value: 0.16%

Peer Median: 0.69%

#914 of 1070 Bottom 14.7% in 100M-500M tier

895

Member Growth Rate

growth

Value: -3.52%

Peer Median: -0.06%

#895 of 1070 Bottom 16.4% in 100M-500M tier

870

Net Interest Margin (NIM)

profitability

Value: 3.08%

Peer Median: 3.62%

#870 of 1070 Bottom 18.8% in 100M-500M tier

861

Loan Growth Rate

growth

Value: -2.51%

Peer Median: 2.93%

#861 of 1070 Bottom 19.6% in 100M-500M tier