BlastPoint's Banking Scorecard
Wrentham Co-operative Bank
Designations: ✓ Mutual
Wrentham, MA
3 branches across MA
Wrentham Co-operative Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 42.2% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.27% below tier average
- - Net Interest Margin 2.00% below tier average
- - Efficiency Ratio 35.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$195.0M
+6.6% YoY
+3.5% QoQ
|
-$191.0M |
$386.1M
+0.5% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$112.5M
+3.7% YoY
-0.4% QoQ
|
-$143.2M |
$255.7M
+1.1% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$178.1M
+7.5% YoY
+3.8% QoQ
|
-$149.8M |
$328.0M
+0.1% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
0.00%
+100.6% YoY
+100.9% QoQ
|
-1.27% |
1.27%
+12.9% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 3.5% in tier |
| Net Interest Margin ? |
1.93%
+19.4% YoY
+6.4% QoQ
|
-2.00% |
3.93%
+6.0% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio ? |
100.42%
-19.1% YoY
-14.9% QoQ
|
+35.14% |
65.29%
-4.5% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
63.13%
-3.6% YoY
-4.1% QoQ
|
-13.51% |
76.64%
+0.8% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
11.54%
-0.1% YoY
+3.3% QoQ
|
-10.48% |
22.02%
-1.0% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.0% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
21.02%
+130.6% YoY
-1.8% QoQ
|
+5.19% |
15.83%
+1.5% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
Top 11.5% in tier |
| Non-Interest Income / Assets ? |
0.04%
-54.8% YoY
-81.4% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.9% 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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.