BlastPoint's Banking Scorecard
North Cambridge Co-operative Bank
Designations: ✓ Community bank ✓ Mutual
Cambridge, 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 536 banks in the under $100M peer group nationwide — 1 of 2 in MA.
- Deposits +2.0% year over year ($60.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.15%.
- Efficiency ratio 95.80% vs a 119.40% peer average.
- Loan-to-deposit ratio 73.86% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
North Cambridge Co-operative Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 23.60% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.85% below tier average
- - Net Interest Margin 0.97% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.1M
+2.2% YoY
+0.8% QoQ
|
+$24.6M |
$62.4M
-0.0% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
82% |
| Total Loans ? |
$44.5M
-5.6% YoY
-4.3% QoQ
|
+$9.6M |
$34.9M
-0.6% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
69% |
| Total Deposits ? |
$60.3M
+2.0% YoY
+0.4% QoQ
|
+$8.7M |
$51.6M
-0.2% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
0.15%
-85.3% YoY
+116.7% QoQ
|
-0.85% |
1.00%
+3.5% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.7% in tier |
| Net Interest Margin ? |
2.94%
-1.1% YoY
-0.5% QoQ
|
-0.97% |
3.91%
+2.3% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 13.8% in tier |
| Efficiency Ratio ? |
95.80%
+0.2% YoY
+1.8% QoQ
|
-23.60% |
119.40%
+49.6% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 13.6% in tier |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
73.86%
-7.5% YoY
-4.7% QoQ
|
-0.35% |
74.21%
+12.6% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
10.89%
+10.9% YoY
+8.4% QoQ
|
-12.60% |
23.49%
+0.6% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
16% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
65.02%
+3.5% YoY
+2.7% QoQ
|
+37.90% |
27.13%
+3.0% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
Top 6.2% in tier |
| Non-Interest Income / Assets ? |
0.03%
+118.2% YoY
+19.9% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 11.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
10.9%
+1.1pp YoY +0.8pp QoQ |
-13.7pp | 24.6% | 16.2% | 22.2% | 12% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 | n/a | n/a | 13.4% | 6.5% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 40.3% | 41.4% | n/a |
| 1-4 Family |
94.2%
-0.3pp YoY -0.2pp QoQ |
+59.3pp | 35.0% | 52.4% | 31.3% | 98% |
| Consumer |
0.2%
+0.1pp YoY 0.0pp QoQ |
-7.4pp | 7.7% | 1.6% | 5.0% | 4% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
65.0%
+2.2pp YoY +1.7pp QoQ |
+26.3pp | 38.7% | 16.6% | 19.7% | 90% |
| Leverage Ratio |
29.3%
+0.6pp YoY +0.8pp QoQ |
+11.6pp | 17.7% | 11.5% | 12.6% | 93% |
| Total Capital Ratio |
66.3%
+2.2pp YoY +1.7pp QoQ |
+26.6pp | 39.7% | 17.5% | 20.8% | 90% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
0 YoY 0 QoQ |
-3 | 12 | 755 | 482 | 36% |
| Assets per Employee ($) |
$9.7M
+2.2% YoY +0.8% QoQ |
+$3.5M | $6.2M | $10.7M | $8.8M | 92% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.1% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 7.95x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
0.5%
-3.0pp YoY +3.6pp QoQ |
-5.9pp | 6.4% | 5.6% | 11.6% | 14% |
| Cost of Funds (YTD) |
0.9%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 2.0% | 1.7% | 24% |
| Net Income ($, YTD) |
$65,000
-84.7% YoY — QoQ |
-$253K | $317,817 | $31.7M | $40.4M | 19% |
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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.