BlastPoint's Credit Union Scorecard
SOMERVILLE MASS FIREFIGHTERS
Charter #943 · MA
SOMERVILLE MASS FIREFIGHTERS has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 3.3% in tier
- + Loan-to-Member Ratio (LMR): Top 7.0% in tier
- + Member Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.48% below tier average
- - Fee Income Per Member: Bottom 3.0% in tier
- - Members Per Employee (MPE): Bottom 5.7% in tier
- - Total Members: Bottom 7.5% in tier
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 -5.7% year over year ($6.0M in shares and deposits).
- Membership: 283 members, +4.0% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.02%.
- Efficiency ratio 63.00% vs a 88.77% peer average.
- Loan-to-share ratio 50.43% 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 |
283
+4.0% YoY-0.7% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
Bottom 7.4% in tier |
| Assets |
$7.4M
-3.6% YoY-2.5% QoQ
|
$-22.9M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$3.0M
+6.5% YoY-2.4% QoQ
|
$-12.5M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$6.0M
-5.7% YoY-3.4% QoQ
|
$-19.8M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
26% |
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| ROA |
1.0%
+38.2% YoY+7.4% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
61% |
| NIM |
2.7%
+11.9% YoY+4.9% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 11.1% in tier |
| Efficiency Ratio |
63.0%
-10.0% YoY-1.3% QoQ
|
-25.8% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Top 15.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
50.4%
+12.9% YoY+1.0% QoQ
|
-8.5% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$31,654
-5.7% YoY-2.4% QoQ
|
+$17K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Top 3.4% in tier |
| CD Concentration | 0.0% | -24.6% | 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)