BlastPoint's Credit Union Scorecard
TREMONT
Charter #68349 · MA
TREMONT has 3 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 39.8% in tier
- + Wallet Share Momentum: Top 76.9% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 7.8% in tier
- - Institutional Decline: Bottom 8.1% in tier
- - Stagnation Risk: Bottom 8.5% in tier
- - Efficiency Drag: Bottom 16.9% in tier
- - Credit Quality Pressure: Bottom 17.7% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 19.16% above tier (higher cost structure)
- - Delinquency rate 1.04% above tier average
- - Member decline: -4.7% YoY
- - Total Delinquency Rate (60+ days): Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,025
-4.7% YoY-0.8% QoQ
|
-2.6K |
15,628
-3.4% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
47% |
| Assets |
$260.8M
+0.7% YoY-1.1% QoQ
|
+$29.5M |
$231.3M
-0.0% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$175.2M
-4.3% YoY+0.6% QoQ
|
+$27.4M |
$147.8M
-1.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$221.9M
+5.8% YoY+2.2% QoQ
|
+$21.6M |
$200.3M
-0.0% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
64% |
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| ROA |
0.4%
-182.1% YoY+1.0% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
3.2%
-5.3% YoY+2.3% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
96.4%
+5.7% YoY+2.6% QoQ
|
+19.2% |
77.3%
-3.0% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 4.1% in tier |
| Delinquency Rate |
1.9%
+7.6% YoY-8.4% QoQ
|
+1.0 |
0.9%
+7.6% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Top 8.4% in tier |
| Loan To Share |
79.0%
-9.5% YoY-1.6% QoQ
|
+6.3% |
72.7%
-1.5% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
60% |
| AMR |
$30,487
+6.0% YoY+2.3% QoQ
|
+$6K |
$24,363
+2.9% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
84% |
| CD Concentration |
27.0%
+5.0% YoY-1.0% QoQ
|
+2.6% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)