BlastPoint's Banking Scorecard

Methuen Co-operative Bank

$100M-$1B Specialty: Mortgage MA FDIC cert 26512

Designations: ✓ Mutual

Methuen, MA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
Deposits +1.3% year over year ($127.6M on the books).
Delinquency rate 1.05%.
Return on assets 0.45%.
Efficiency ratio 81.40% vs a 64.48% peer average.
Loan-to-deposit ratio 83.83% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 39 in MA

View $100M-$1B leaderboard (MA) →

Methuen Co-operative Bank faces 8 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 12.7% in tier
- Capital Thin: Bottom 13.6% in tier
- Flatlined Growth: Bottom 16.8% in tier
- Efficiency Drag: Bottom 30.5% in tier
- Credit Quality Pressure: Bottom 49.2% in tier
- Non-Interest Income / Assets 0.52% below tier average
- ROA 0.87% below tier average
- Net Interest Margin 0.86% below tier average

Get updates when Methuen Co-operative Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$141.3M +1.7% YoY -1.4% QoQ	-$245.3M	$386.6M +1.2% YoY	$7.0B +13.2% YoY	$6.3B +7.7% YoY	Bottom 11.8% in tier
Total Loans ?	$106.9M +2.7% YoY +2.4% QoQ	-$151.4M	$258.3M +1.7% YoY	$2.5B +16.1% YoY	$3.2B +9.4% YoY	21%
Total Deposits ?	$127.6M +1.3% YoY -1.7% QoQ	-$199.2M	$326.7M +0.7% YoY	$5.6B +14.9% YoY	$4.9B +7.3% YoY	Bottom 14.8% in tier
Return on Assets ?	0.45% +24.8% YoY +41.0% QoQ	-0.87%	1.32% +10.8% YoY	0.66% +38.5% YoY	1.30% +12.1% YoY	Bottom 11.0% in tier
Net Interest Margin ?	3.13% +6.2% YoY +3.4% QoQ	-0.86%	3.99% +5.0% YoY	3.05% +8.7% YoY	3.95% +4.9% YoY	Bottom 13.7% in tier
Efficiency Ratio ?	81.40% -4.8% YoY -5.3% QoQ	+16.92%	64.48% -3.2% YoY	79.07% -1.9% YoY	70.05% +2.5% YoY	Bottom 12.1% in tier
Delinquency Rate ?	1.05% +22.3% YoY -3.2% QoQ	+0.13%	0.92% +15.7% YoY	0.74% +5.8% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	83.83% +1.4% YoY +4.2% QoQ	+5.88%	77.95% +1.0% YoY	91.41% -1.2% YoY	79.03% +2.3% YoY	41%
Non-Interest-Bearing Deposit Share ?	17.55% -5.0% YoY -1.2% QoQ	-4.48%	22.03% -0.6% YoY	16.01% -3.7% YoY	21.98% -0.6% YoY	34%
Nonperforming Asset Ratio ?	0.80% +23.5% YoY +0.6% QoQ	+0.13%	0.67% +16.4% YoY	0.59% +7.5% YoY	0.69% +15.8% YoY	27%
Tier 1 Capital Ratio ?	9.36% +0.7% YoY +0.8% QoQ	-6.55%	15.91% +1.4% YoY	15.08% +1.7% YoY	17.09% +0.8% YoY	Bottom 3.6% in tier
Non-Interest Income / Assets ?	0.05% -5.6% YoY +102.9% QoQ	-0.52%	0.57% +7.6% YoY	0.57% +4.1% YoY	0.66% +5.2% YoY	Bottom 5.9% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Noninterest-Bearing	17.5% -0.9pp YoY -0.2pp QoQ	-4.6pp	22.1%	16.2%	22.2%	34%
Brokered Deposits	n/a	n/a	7.9%	6.1%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
C&I	4.5% -0.2pp YoY -0.6pp QoQ	-7.0pp	11.6%	6.5%	12.5%	17%
CRE	23.7% +1.6pp YoY +0.3pp QoQ	-15.9pp	39.5%	40.3%	41.4%	24%
1-4 Family	71.4% -1.2pp YoY +0.4pp QoQ	+38.8pp	32.6%	52.4%	31.3%	95%
Consumer	0.7% -0.2pp YoY -0.1pp QoQ	-3.4pp	4.1%	1.6%	5.0%	21%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.6%	19.7%	n/a
Leverage Ratio	9.4% +0.1pp YoY +0.1pp QoQ	-2.8pp	12.2%	11.5%	12.6%	18%
Total Capital Ratio	n/a	n/a	19.9%	17.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Full-Time Employees	16 -2 (-11.1%) YoY -1 (-5.9%) QoQ	-43	58	755	482	5%
Assets per Employee ($)	$8.8M +14.4% YoY +4.7% QoQ	+$1.3M	$7.5M	$10.7M	$8.8M	78%
Branch Count	1 0 YoY 0 QoQ	-4	4	13	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	1.1% +0.2pp YoY 0.0pp QoQ	+0.1pp	0.9%	0.8%	1.0%	72%
Allowance Coverage	0.32x -26.4% YoY -3.4% QoQ	-23.83x	24.15x	7.95x	20.23x	4%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
ROE	4.8% +0.9pp YoY +1.4pp QoQ	-7.3pp	12.2%	5.6%	11.6%	13%
Cost of Funds (YTD)	1.5% -0.1pp YoY 0.0pp QoQ	-0.2pp	1.7%	2.0%	1.7%	37%
Net Income ($, YTD)	$319,000 +27.6% YoY — QoQ	-$2.2M	$2.6M	$31.7M	$40.4M	7%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (5)

Credit Risk Growth

risk

#120 of 936 • Bottom 12.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Capital Thin

risk

#91 of 661 • Bottom 13.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.36%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Flatlined Growth

risk

#90 of 529 • Bottom 16.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.45%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Efficiency Drag

risk

#111 of 361 • Bottom 30.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.40%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#619 of 1256 • Bottom 49.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 1.05%

(Tier: 0.92%, National: 0.98%)

worse than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2550

Tier 1 Capital Ratio

capital

Value: 9.36%

Peer Median: 15.91%

#2550 of 2643 Bottom 3.6% in $100M-$1B

2488

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2488 of 2643 Bottom 5.9% in $100M-$1B

2352

Return on Assets

profitability

Value: 0.45%

Peer Median: 1.32%

#2352 of 2643 Bottom 11.0% in $100M-$1B

2333

Total Assets

size

Value: $141.26M

Peer Median: $386.57M

#2333 of 2643 Bottom 11.8% in $100M-$1B

2323

Efficiency Ratio

profitability

Value: 81.40%

Peer Median: 64.48%

#2323 of 2643 Bottom 12.1% in $100M-$1B

2281

Net Interest Margin

profitability

Value: 3.13%

Peer Median: 3.99%

#2281 of 2643 Bottom 13.7% in $100M-$1B

2254

Total Deposits

size

Value: $127.55M

Peer Median: $326.73M

#2254 of 2643 Bottom 14.8% in $100M-$1B

2088

Total Loans

size

Value: $106.92M

Peer Median: $258.35M

#2088 of 2643 Bottom 21.0% in $100M-$1B