BlastPoint's Banking Scorecard

The Cooperative Bank

$100M-$1B Specialty: Commercial MA FDIC cert 26922

Designations: ✓ Mutual

Roslindale, MA

4 branches across MA

2664 banks in the $100M-$1B peer group nationally 39 in MA

The Cooperative Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.32% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.3% in tier
- Return on Assets 1.15% below tier average
- Net Interest Margin 1.09% below tier average
- Efficiency Ratio 29.45% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$543.5M -1.4% YoY +0.0% QoQ	+$157.4M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$449.1M -3.3% YoY -0.8% QoQ	+$193.4M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	85%
Total Deposits ?	$459.8M +0.5% YoY +1.1% QoQ	+$131.8M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	0.12% +38.8% YoY +3.0% QoQ	-1.15%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 5.1% in tier
Net Interest Margin ?	2.84% +9.8% YoY +6.5% QoQ	-1.09%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 7.4% in tier
Efficiency Ratio ?	94.73% -3.1% YoY -1.2% QoQ	+29.45%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 4.1% in tier
Delinquency Rate ?	0.57% -20.7% YoY +5.9% QoQ	-0.32%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	42%
Loan-to-Deposit Ratio ?	97.66% -3.8% YoY -1.9% QoQ	+21.03%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	Bottom 11.5% in tier
Non-Interest-Bearing Deposit Share ?	20.97% -2.7% YoY +1.1% QoQ	-1.05%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	49%
Nonperforming Asset Ratio ?	0.47% -22.2% YoY +5.0% QoQ	-0.17%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	13.26% +4.1% YoY +0.0% QoQ	-2.57%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.06% +24.9% YoY -73.7% QoQ	-0.22%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	24%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#74 of 643 • Bottom 11.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 97.66%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

408

Total Loans

size

Value: $449.08M

Peer Median: $255.72M

#408 of 2664 Top 15.3% in $100M-$1B

636

Total Deposits

size

Value: $459.82M

Peer Median: $327.97M

#636 of 2664 Top 23.8% in $100M-$1B

641

Total Assets

size

Value: $543.45M

Peer Median: $386.08M

#641 of 2664 Top 24.0% in $100M-$1B

Top Weaknesses (5 metrics)

2557

Efficiency Ratio

profitability

Value: 94.73%

Peer Median: 65.29%

#2557 of 2664 Bottom 4.1% in $100M-$1B

2530

Return on Assets

profitability

Value: 0.12%

Peer Median: 1.27%

#2530 of 2664 Bottom 5.1% in $100M-$1B

2467

Net Interest Margin

profitability

Value: 2.84%

Peer Median: 3.93%

#2467 of 2664 Bottom 7.4% in $100M-$1B

2358

Loan-to-Deposit Ratio

liquidity

Value: 97.66%

Peer Median: 76.64%

#2358 of 2664 Bottom 11.5% in $100M-$1B

2034

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2034 of 2664 Bottom 23.7% in $100M-$1B