BlastPoint's Credit Union Scorecard
NORFOLK COMMUNITY
Charter #8828 · MA
NORFOLK COMMUNITY has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 1.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in Massachusetts.
- Shares and deposits +5.1% year over year ($27.5M in shares and deposits).
- Membership: 3,581 members, +0.0% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 1.10%.
- Efficiency ratio 68.33% vs a 88.77% peer average.
- Loan-to-share ratio 68.48% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,581
+0.0% YoY-0.2% QoQ
|
+995 |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
75% |
| Assets |
$33.0M
+6.1% YoY-1.6% QoQ
|
+$2.8M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
62% |
| Loans |
$18.8M
-3.5% YoY-2.0% QoQ
|
+$3.4M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$27.5M
+5.1% YoY-2.2% QoQ
|
+$1.7M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
62% |
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| ROA |
1.1%
+162.5% YoY-5.1% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
3.8%
+19.6% YoY-0.0% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
68.3%
-18.8% YoY+5.2% QoQ
|
-20.4% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
23% |
| Delinquency Rate |
0.5%
-9.3% YoY-10.7% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
68.5%
-8.2% YoY+0.1% QoQ
|
+9.6% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$12,948
+1.4% YoY-1.9% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
20.5%
+4.1% YoY+3.7% QoQ
|
-4.1% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 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)