BlastPoint's Credit Union Scorecard
TREMONT
Charter #68349 · MA
TREMONT has 2 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 63.7% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 11.2% in tier
- - Institutional Decline: Bottom 32.2% in tier
- - Membership Headwinds: Bottom 38.5% in tier
- - Efficiency Drag: Bottom 44.1% in tier
- - Flatlined Growth: Bottom 82.5% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 21.15% above tier (higher cost structure)
- - Delinquency rate 0.78% above tier average
- - Member decline: -3.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,800
-3.6% YoY-1.7% QoQ
|
-2.6K |
15,437
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$261.5M
+0.4% YoY+0.3% QoQ
|
+$29.7M |
$231.9M
+1.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$172.9M
-4.9% YoY-1.3% QoQ
|
+$25.6M |
$147.3M
-0.1% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$221.1M
+4.4% YoY-0.4% QoQ
|
+$20.3M |
$200.8M
+0.8% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
0.3%
-215.6% YoY-19.4% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
3.2%
-2.9% YoY+0.6% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
98.2%
+7.5% YoY+1.8% QoQ
|
+21.2% |
77.0%
-3.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 2.9% in tier |
| Delinquency Rate |
1.7%
-24.1% YoY-12.1% QoQ
|
+0.8 |
0.9%
+4.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Top 11.1% in tier |
| Loan To Share |
78.2%
-8.9% YoY-1.0% QoQ
|
+6.0% |
72.2%
-1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$30,782
+3.9% YoY+1.0% QoQ
|
+$6K |
$24,676
+3.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
25.9%
+0.7% YoY-4.2% QoQ
|
+1.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)