BlastPoint's Credit Union Scorecard
NORFOLK COMMUNITY
Charter #8828 · MA
NORFOLK COMMUNITY demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.8% in tier
- + Deposit Growth Rate: Top 2.0% in tier
- + Asset Growth Rate: Top 2.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,590
-0.3% YoY+0.3% QoQ
|
+964 |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$33.1M
+18.2% YoY+6.3% QoQ
|
+$3.3M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
63% |
| Loans |
$20.1M
-5.2% YoY+3.0% QoQ
|
+$4.4M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$28.1M
+20.8% YoY+7.1% QoQ
|
+$2.6M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
63% |
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| ROA |
0.7%
-48.2% YoY+68.2% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
47% |
| NIM |
3.3%
-22.0% YoY+2.4% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
27% |
| Efficiency Ratio |
77.1%
+14.0% YoY-8.4% QoQ
|
-4.3% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.8%
+3.2% YoY+45.0% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
54% |
| Loan To Share |
71.8%
-21.6% YoY-3.8% QoQ
|
+10.5% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$13,423
+8.7% YoY+5.1% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
21.1%
+75.8% YoY+7.4% QoQ
|
-3.3% |
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 (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)