BlastPoint's Banking Scorecard
Everett Co-operative Bank
Designations: ✓ Community bank
Everett, MA
3 branches across MA
Everett Co-operative Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 45.9% in tier
- + Efficiency Ratio 4.35% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.35% below tier average
- - Loan-to-Deposit Ratio 30.71% above tier average
- - Non-Interest-Bearing Deposit Share 14.65% below tier average
- - Non-Interest Income / Assets 0.24% below tier average
- - ROA 0.61% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+13.7% YoY
+2.8% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
40% |
| Total Loans ? |
$1.4B
+18.2% YoY
+1.4% QoQ
|
-$573.4M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$1.2B
+15.1% YoY
+5.8% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
0.76%
+118.3% YoY
+50.1% QoQ
|
-0.61% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
2.47%
+31.1% YoY
+14.4% QoQ
|
-1.35% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.3% in tier |
| Efficiency Ratio ? |
56.71%
-25.3% YoY
-12.1% QoQ
|
-4.35% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
0.09%
-17.6% YoY
+6.5% QoQ
|
-0.80% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
Top 10.1% in tier |
| Loan-to-Deposit Ratio ? |
114.91%
+2.7% YoY
-4.2% QoQ
|
+30.71% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 3.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.64%
-12.7% YoY
-6.9% QoQ
|
-14.65% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 6.3% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-14.4% YoY
+5.1% QoQ
|
-0.60% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
Top 10.6% in tier |
| Tier 1 Capital Ratio ? |
13.60%
-10.9% YoY
+1.9% QoQ
|
-1.56% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.02%
+5.2% YoY
-76.0% QoQ
|
-0.24% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 3.1% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.