BlastPoint's Credit Union Scorecard
CHELSEA EMPLOYEES
Charter #851 · MA
CHELSEA EMPLOYEES has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.25% above tier average
- + Strong member growth: 5.7% YoY
- + Member Growth Rate: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.20% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,248
+5.7% YoY+4.4% QoQ
|
-428 |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
57% |
| Assets |
$21.2M
+4.2% YoY+3.1% QoQ
|
$-9.0M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
49% |
| Loans |
$14.7M
+3.7% YoY-0.8% QoQ
|
$-566K |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$18.9M
+3.5% YoY+3.4% QoQ
|
$-6.9M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
50% |
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| ROA |
0.3%
-58.9% YoY-57.6% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
4.3%
+4.5% YoY-0.7% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
69% |
| Efficiency Ratio |
93.8%
+12.5% YoY+10.2% QoQ
|
+3.2% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
0.2%
-38.2% YoY-42.3% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
29% |
| Loan To Share |
77.8%
+0.2% YoY-4.0% QoQ
|
+19.3% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$14,963
-2.0% YoY-2.7% QoQ
|
+$79 |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
55% |
| CD Concentration | 0.1% | -24.2% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)