BlastPoint's Banking Scorecard
Methuen Co-operative Bank
Designations: ✓ Mutual
Methuen, MA
Methuen Co-operative Bank faces 7 concerns requiring attention
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 5.1% in tier
- - Capital Thin: Bottom 27.3% in tier
- - Efficiency Drag: Bottom 40.1% in tier
- - Credit Quality Pressure: Bottom 49.6% in tier
- - Return on Assets 0.95% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - Net Interest Margin 0.90% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$143.3M
+4.3% YoY
+3.5% QoQ
|
-$242.8M |
$386.1M
+0.5% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.3% in tier |
| Total Loans ? |
$104.4M
+0.9% YoY
+0.9% QoQ
|
-$151.3M |
$255.7M
+1.1% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$129.7M
+4.2% YoY
+3.7% QoQ
|
-$198.3M |
$328.0M
+0.1% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
15% |
| Return on Assets ? |
0.32%
+14.7% YoY
-13.0% QoQ
|
-0.95% |
1.27%
+12.9% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.5% in tier |
| Net Interest Margin ? |
3.03%
+4.6% YoY
+0.7% QoQ
|
-0.90% |
3.93%
+6.0% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.4% in tier |
| Efficiency Ratio ? |
85.95%
-1.9% YoY
+1.3% QoQ
|
+20.67% |
65.29%
-4.5% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 9.5% in tier |
| Delinquency Rate ? |
1.09%
+24.4% YoY
-1.6% QoQ
|
+0.20% |
0.89%
+18.8% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
80.47%
-3.2% YoY
-2.7% QoQ
|
+3.83% |
76.64%
+0.8% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
17.76%
+1.7% YoY
+7.7% QoQ
|
-4.26% |
22.02%
-1.0% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.79%
+20.3% YoY
-4.1% QoQ
|
+0.15% |
0.64%
+19.7% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
9.29%
+0.5% YoY
+0.2% QoQ
|
-6.54% |
15.83%
+1.5% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.3% in tier |
| Non-Interest Income / Assets ? |
0.03%
-4.1% YoY
-77.3% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.9% 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 (0)
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.