BlastPoint's Banking Scorecard
Reading Co-operative Bank
Designations: ✓ Community bank ✓ Mutual
Reading, MA
13 branches across MA
Reading Co-operative Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 43.2% in tier
- - Return on Assets 0.94% below tier average
- - Net Interest Margin 0.52% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+27.6% YoY
-5.3% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$6.8B
+9.3% YoY
|
$6.2B
+9.1% YoY
|
15% |
| Total Loans ? |
$941.8M
+30.0% YoY
+0.7% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$2.4B
+16.6% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$1.0B
+31.2% YoY
-5.9% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$5.3B
+11.5% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
0.42%
+80.3% YoY
-19.4% QoQ
|
-0.94% |
1.37%
+19.6% YoY
|
0.49%
+59.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.9% in tier |
| Net Interest Margin ? |
3.30%
+20.1% YoY
+4.4% QoQ
|
-0.52% |
3.82%
+6.9% YoY
|
3.03%
+10.0% YoY
|
3.89%
+5.7% YoY
|
29% |
| Efficiency Ratio ? |
81.16%
-7.3% YoY
+1.1% QoQ
|
+20.10% |
61.06%
-4.6% YoY
|
80.02%
-2.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.5% in tier |
| Delinquency Rate ? |
0.16%
-80.1% YoY
-85.0% QoQ
|
-0.73% |
0.89%
+14.1% YoY
|
0.73%
+28.2% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
89.84%
-0.9% YoY
+7.0% QoQ
|
+5.64% |
84.20%
+0.3% YoY
|
92.37%
-0.3% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
17.92%
-7.1% YoY
+5.8% QoQ
|
-3.37% |
21.29%
-2.5% YoY
|
15.85%
-3.7% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.13%
-79.7% YoY
-84.1% QoQ
|
-0.55% |
0.67%
+15.6% YoY
|
0.58%
+29.6% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
10.62%
-8.0% YoY
+3.1% QoQ
|
-4.54% |
15.16%
+2.0% YoY
|
14.58%
+1.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.7% in tier |
| Non-Interest Income / Assets ? |
0.06%
-23.2% YoY
-77.6% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.11%
+1.3% YoY
|
0.32%
+4.1% YoY
|
Bottom 13.2% 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 (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.