BlastPoint's Banking Scorecard
Fidelity Co-operative Bank
Designations: ✓ Community bank
Leominster, MA
13 branches across MA
Fidelity Co-operative Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.44% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 0.1% in tier
- - Capital Constraint: Bottom 0.1% in tier
- - Delinquency Rate 3.80% above tier average
- - Nonperforming Asset Ratio 2.78% above tier average
- - ROA 0.58% below tier average
- - Efficiency Ratio 6.75% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-14.8% YoY
-2.5% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$989.1M
-8.3% YoY
-3.0% QoQ
|
-$975.8M |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$1.1B
-16.7% YoY
-3.2% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
0.79%
-8.3% YoY
+254.6% QoQ
|
-0.58% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
4.26%
+6.6% YoY
+2.6% QoQ
|
+0.44% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
67.81%
+2.6% YoY
+6.0% QoQ
|
+6.75% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
4.69%
+459.4% YoY
-7.0% QoQ
|
+3.80% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.1% in tier |
| Loan-to-Deposit Ratio ? |
88.52%
+10.2% YoY
+0.3% QoQ
|
+4.32% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
19.51%
+108.0% YoY
+1.5% QoQ
|
-1.78% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
3.45%
+502.1% YoY
-7.4% QoQ
|
+2.78% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.7% in tier |
| Tier 1 Capital Ratio ? |
9.44%
+4.0% YoY
+5.5% QoQ
|
-5.72% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.6% in tier |
| Non-Interest Income / Assets ? |
0.09%
-18.1% YoY
-85.5% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
27% |
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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 (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.