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
- + ROA 0.80% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 3.0% in tier
- + Loan-to-Member Ratio (LMR): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 4.7% in tier
- - Members Per Employee (MPE): Bottom 5.9% in tier
- - Total Members: Bottom 7.5% in tier
- - Net Interest Margin (NIM): Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
285
+3.3% YoY+0.4% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Bottom 7.4% in tier |
| Assets |
$7.6M
-1.4% YoY-3.7% QoQ
|
$-22.6M |
$30.2M
+1.3% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$3.1M
+8.5% YoY-0.2% QoQ
|
$-12.2M |
$15.3M
-2.0% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
25% |
| Deposits |
$6.2M
-2.8% YoY-4.7% QoQ
|
$-19.6M |
$25.8M
+0.7% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
0.9%
+35.1% YoY+8.4% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
67% |
| NIM |
2.6%
+13.2% YoY+5.2% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.6% in tier |
| Efficiency Ratio |
63.8%
-8.4% YoY-1.7% QoQ
|
-26.8% |
90.6%
+6.5% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
49.9%
+11.6% YoY+4.8% QoQ
|
-8.6% |
58.5%
-3.0% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
36% |
| AMR |
$32,429
-2.5% YoY-3.6% QoQ
|
+$18K |
$14,884
-1.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
Top 3.0% in tier |
| CD Concentration | 0.0% | -24.3% | 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)