BlastPoint's Banking Scorecard
North Cambridge Co-operative Bank
Designations: ✓ Community bank ✓ Mutual
Cambridge, MA
North Cambridge Co-operative Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.73% below tier average
- - Net Interest Margin 0.91% below tier average
- - Efficiency Ratio 5.80% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.4M
+3.6% YoY
-2.0% QoQ
|
+$24.2M |
$62.2M
-0.6% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$46.5M
-3.7% YoY
-0.0% QoQ
|
+$12.3M |
$34.2M
-1.4% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$60.0M
+3.6% YoY
-2.2% QoQ
|
+$8.3M |
$51.7M
-0.7% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
58% |
| Return on Assets ? |
-0.89%
-203.7% YoY
-224.5% QoQ
|
-1.73% |
0.84%
-2.3% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.1% in tier |
| Net Interest Margin ? |
2.95%
+0.4% YoY
-0.6% QoQ
|
-0.91% |
3.86%
+2.8% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
94.15%
+5.4% YoY
-9.1% QoQ
|
+5.80% |
88.34%
+0.3% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
77.52%
-7.1% YoY
+2.2% QoQ
|
+13.31% |
64.22%
-0.7% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
10.05%
+38.6% YoY
+1.1% QoQ
|
-13.66% |
23.71%
+0.3% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 15.0% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
63.29%
+1.7% YoY
-0.8% QoQ
|
+36.61% |
26.68%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
Top 5.5% in tier |
| Non-Interest Income / Assets ? |
0.03%
+285.9% YoY
+6.4% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
21% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.