BlastPoint's Banking Scorecard

Commonwealth Co-operative Bank

$100M-$1B Specialty: Mortgage MA FDIC cert 29842

Designations: ✓ Mutual

Hyde Park, MA

3 branches across MA

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

Commonwealth Co-operative Bank has 1 strength but faces 7 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 0.39% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.5% in tier
- Liquidity Overhang: Bottom 32.5% in tier
- Efficiency Drag: Bottom 37.7% in tier
- Credit Quality Pressure: Bottom 40.1% in tier
- Return on Assets 0.94% below tier average
- Net Interest Margin 1.14% below tier average
- Non-Interest Income / Assets 0.26% below 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 ?	$209.4M +3.4% YoY +2.0% QoQ	-$176.7M	$386.1M +0.5% YoY	$6.8B +9.3% YoY	$6.2B +9.1% YoY	29%
Total Loans ?	$130.5M -0.6% YoY -1.5% QoQ	-$125.2M	$255.7M +1.1% YoY	$2.4B +16.6% YoY	$3.2B +10.8% YoY	29%
Total Deposits ?	$138.5M +6.5% YoY +2.6% QoQ	-$189.4M	$328.0M +0.1% YoY	$5.3B +11.5% YoY	$4.8B +8.2% YoY	18%
Return on Assets ?	0.33% +34.4% YoY +25.3% QoQ	-0.94%	1.27% +12.9% YoY	0.49% +59.0% YoY	1.23% +13.4% YoY	Bottom 8.7% in tier
Net Interest Margin ?	2.79% +2.6% YoY +0.9% QoQ	-1.14%	3.93% +6.0% YoY	3.03% +10.0% YoY	3.89% +5.7% YoY	Bottom 6.6% in tier
Efficiency Ratio ?	84.12% -3.1% YoY -0.1% QoQ	+18.84%	65.29% -4.5% YoY	80.02% -2.5% YoY	66.95% -4.1% YoY	Bottom 10.8% in tier
Delinquency Rate ?	0.50% +98.7% YoY -11.2% QoQ	-0.39%	0.89% +18.8% YoY	0.73% +28.2% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	94.22% -6.7% YoY -4.0% QoQ	+17.58%	76.64% +0.8% YoY	92.37% -0.3% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	16.06% +4.0% YoY -1.3% QoQ	-5.96%	22.02% -1.0% YoY	15.85% -3.7% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	0.31% +91.1% YoY -14.2% QoQ	-0.33%	0.64% +19.7% YoY	0.58% +29.6% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	16.29% +0.5% YoY -0.9% QoQ	+0.46%	15.83% +1.5% YoY	14.58% +1.9% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.02% -1.3% YoY -75.5% QoQ	-0.26%	0.28% +9.3% YoY	0.11% +1.3% YoY	0.32% +4.1% YoY	Bottom 5.4% 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 (4)

Liquidity Strain

risk

#75 of 643 • Bottom 11.5% 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: 94.22%

(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

Liquidity Overhang

risk

#241 of 739 • Bottom 32.5% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.29%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 94.22%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#157 of 414 • Bottom 37.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.12%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

Credit Quality Pressure

risk

#525 of 1308 • Bottom 40.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.50%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2521

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2521 of 2664 Bottom 5.4% in $100M-$1B

2489

Net Interest Margin

profitability

Value: 2.79%

Peer Median: 3.93%

#2489 of 2664 Bottom 6.6% in $100M-$1B

2432

Return on Assets

profitability

Value: 0.33%

Peer Median: 1.27%

#2432 of 2664 Bottom 8.7% in $100M-$1B

2378

Efficiency Ratio

profitability

Value: 84.12%

Peer Median: 65.29%

#2378 of 2664 Bottom 10.8% in $100M-$1B

2232

Loan-to-Deposit Ratio

liquidity

Value: 94.22%

Peer Median: 76.64%

#2232 of 2664 Bottom 16.3% in $100M-$1B

2189

Total Deposits

size

Value: $138.55M

Peer Median: $327.97M

#2189 of 2664 Bottom 17.9% in $100M-$1B