BlastPoint's Banking Scorecard
Winchester Co-operative Bank
Designations: ✓ Mutual
Winchester, MA
2 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
- Deposits +8.5% year over year ($773.8M on the books).
- Delinquency rate 0.43%.
- Return on assets 0.61%.
- Efficiency ratio 66.13% vs a 64.48% peer average.
- Loan-to-deposit ratio 89.61% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Winchester Co-operative Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.69% below tier average
- - Non-Interest-Bearing Deposit Share 16.67% below tier average
- - Non-Interest Income / Assets 0.51% below tier average
- - ROA 0.71% below tier average
- - Efficiency Ratio 1.65% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$946.9M
+7.4% YoY
+1.6% QoQ
|
+$560.3M |
$386.6M
+1.2% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
Top 1.9% in tier |
| Total Loans ? |
$693.4M
+6.8% YoY
+1.7% QoQ
|
+$435.1M |
$258.3M
+1.7% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
Top 2.7% in tier |
| Total Deposits ? |
$773.8M
+8.5% YoY
+1.8% QoQ
|
+$447.0M |
$326.7M
+0.7% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
Top 3.3% in tier |
| Return on Assets ? |
0.61%
+41.7% YoY
-3.3% QoQ
|
-0.71% |
1.32%
+10.8% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
15% |
| Net Interest Margin ? |
2.30%
+15.6% YoY
-0.2% QoQ
|
-1.69% |
3.99%
+5.0% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 1.9% in tier |
| Efficiency Ratio ? |
66.13%
-8.9% YoY
+1.9% QoQ
|
+1.65% |
64.48%
-3.2% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
39% |
| Delinquency Rate ? |
0.43%
-40.7% YoY
-11.4% QoQ
|
-0.49% |
0.92%
+15.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
89.61%
-1.6% YoY
-0.2% QoQ
|
+11.66% |
77.95%
+1.0% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
5.36%
-3.1% YoY
+1.0% QoQ
|
-16.67% |
22.03%
-0.6% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
Bottom 3.9% in tier |
| Nonperforming Asset Ratio ? |
0.31%
-41.1% YoY
-11.4% QoQ
|
-0.35% |
0.67%
+16.4% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
11.80%
-1.7% YoY
-0.2% QoQ
|
-4.11% |
15.91%
+1.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.06%
-39.6% YoY
+100.3% QoQ
|
-0.51% |
0.57%
+7.6% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 7.6% 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 |
5.4%
-0.2pp YoY +0.1pp QoQ |
-16.8pp | 22.1% | 16.2% | 22.2% | 3% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
0.1%
0.0pp YoY 0.0pp QoQ |
-11.5pp | 11.6% | 6.5% | 12.5% | 0% |
| CRE |
15.5%
-1.0pp YoY +0.2pp QoQ |
-24.1pp | 39.5% | 40.3% | 41.4% | 11% |
| 1-4 Family |
84.6%
+1.1pp YoY -0.2pp QoQ |
+52.0pp | 32.6% | 52.4% | 31.3% | 97% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 1.6% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.6% | 19.7% | n/a |
| Leverage Ratio |
11.8%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 12.2% | 11.5% | 12.6% | 62% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
54
-1 (-1.8%) YoY -1 (-1.8%) QoQ |
-5 | 58 | 755 | 482 | 57% |
| Assets per Employee ($) |
$17.5M
+9.4% YoY +3.5% QoQ |
+$10.0M | $7.5M | $10.7M | $8.8M | 99% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 13 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
-0.2pp YoY -0.1pp QoQ |
+0.1pp | 0.3% | 0.1% | 0.4% | 80% |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
0.82x
+86.2% YoY +14.8% QoQ |
-23.33x | 24.15x | 7.95x | 20.23x | 21% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.2%
+1.6pp YoY -0.2pp QoQ |
-7.0pp | 12.2% | 5.6% | 11.6% | 14% |
| Cost of Funds (YTD) |
2.5%
-0.2pp YoY 0.0pp QoQ |
+0.8pp | 1.7% | 2.0% | 1.7% | 89% |
| Net Income ($, YTD) |
$2.8M
+51.4% YoY — QoQ |
+$273K | $2.6M | $31.7M | $40.4M | 67% |
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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.