BlastPoint's Banking Scorecard

Winchester Co-operative Bank

$100M-$1B Specialty: Mortgage MA FDIC cert 27238

Designations: ✓ Mutual

Winchester, MA

2 branches across MA

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

Winchester Co-operative Bank has 2 strengths 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

+ Efficiency Ratio 0.38% below tier average
+ Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.63% below tier average
- Non-Interest-Bearing Deposit Share 16.72% below tier average
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.64% below tier average

Get updates when Winchester Co-operative Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Total Assets ?	$931.7M +6.7% YoY +2.7% QoQ	+$545.6M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	Top 2.6% in tier
Total Loans ?	$682.0M +6.6% YoY +0.7% QoQ	+$426.3M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	Top 3.1% in tier
Total Deposits ?	$759.8M +7.5% YoY +3.1% QoQ	+$431.8M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	Top 4.2% in tier
Return on Assets ?	0.63% +79.6% YoY +34.5% QoQ	-0.64%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	2.30% +19.2% YoY +11.5% QoQ	-1.63%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 2.0% in tier
Efficiency Ratio ?	64.91% -16.5% YoY -9.4% QoQ	-0.38%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	45%
Delinquency Rate ?	0.49% -1.1% YoY -19.7% QoQ	-0.40%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	89.76% -0.8% YoY -2.3% QoQ	+13.13%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	25%
Non-Interest-Bearing Deposit Share ?	5.30% -3.5% YoY -4.6% QoQ	-16.72%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	Bottom 3.8% in tier
Nonperforming Asset Ratio ?	0.36% -1.1% YoY -21.3% QoQ	-0.28%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	11.82% -2.1% YoY -0.8% QoQ	-4.01%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.03% -7.2% YoY -81.3% QoQ	-0.25%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	Bottom 8.1% in tier

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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 (0)

No matched concern signatures this quarter

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)

Total Assets

size

Value: $931.73M

Peer Median: $386.08M

#71 of 2664 Top 2.6% in $100M-$1B

Total Loans

size

Value: $682.01M

Peer Median: $255.72M

#83 of 2664 Top 3.1% in $100M-$1B

113

Total Deposits

size

Value: $759.78M

Peer Median: $327.97M

#113 of 2664 Top 4.2% in $100M-$1B

Top Weaknesses (5 metrics)

2613

Net Interest Margin

profitability

Value: 2.30%

Peer Median: 3.93%

#2613 of 2664 Bottom 2.0% in $100M-$1B

2565

Non-Interest-Bearing Deposit Share

funding

Value: 5.30%

Peer Median: 22.02%

#2565 of 2664 Bottom 3.8% in $100M-$1B

2450

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2450 of 2664 Bottom 8.1% in $100M-$1B

2205

Return on Assets

profitability

Value: 0.63%

Peer Median: 1.27%

#2205 of 2664 Bottom 17.3% in $100M-$1B

2008

Loan-to-Deposit Ratio

liquidity

Value: 89.76%

Peer Median: 76.64%

#2008 of 2664 Bottom 24.7% in $100M-$1B