BlastPoint's Credit Union Scorecard
ARLINGTON MUNICIPAL
Charter #9805 · MA
ARLINGTON MUNICIPAL has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Net Interest Margin 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.7% in tier
- + Net Worth Ratio: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.6% YoY
- - Fee Income Per Member: Bottom 4.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
921
-2.6% YoY-0.2% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$9.4M
-2.3% YoY-3.4% QoQ
|
$-20.4M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$7.8M
-13.0% YoY-5.3% QoQ
|
$-8.0M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$6.6M
-5.7% YoY-5.3% QoQ
|
$-18.9M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
1.4%
+8.2% YoY-2.5% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
4.0%
+4.0% YoY+4.8% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
53% |
| Efficiency Ratio |
73.3%
+11.5% YoY-2.4% QoQ
|
-8.1% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
1.1%
-50.4% YoY-7.1% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
63% |
| Loan To Share |
118.4%
-7.8% YoY+0.0% QoQ
|
+57.2% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 0.9% in tier |
| AMR |
$15,609
-7.3% YoY-5.1% QoQ
|
+$982 |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
60% |
| CD Concentration | 0.0% | -24.4% |
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)