BlastPoint's Banking Scorecard
Commonwealth Co-operative Bank
Designations: ✓ Mutual
Hyde Park, 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 +7.4% year over year ($140.6M on the books).
- Delinquency rate 0.51%.
- Return on assets 0.37%.
- Efficiency ratio 78.96% vs a 64.48% peer average.
- Loan-to-deposit ratio 90.79% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Commonwealth Co-operative Bank has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.5% in tier
- - Flatlined Growth: Bottom 12.5% in tier
- - NIB Deposit Bleed: Bottom 13.0% in tier
- - Liquidity Overhang: Bottom 39.4% in tier
- - Credit Quality Pressure: Bottom 41.7% in tier
- - Return on Assets 0.95% below tier average
- - Net Interest Margin 1.15% below tier average
- - Non-Interest Income / Assets 0.52% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$205.0M
+1.4% YoY
-2.1% QoQ
|
-$181.6M |
$386.6M
+1.2% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$127.6M
-3.8% YoY
-2.2% QoQ
|
-$130.7M |
$258.3M
+1.7% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$140.6M
+7.4% YoY
+1.5% QoQ
|
-$186.1M |
$326.7M
+0.7% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
0.37%
+64.0% YoY
+12.7% QoQ
|
-0.95% |
1.32%
+10.8% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.1% in tier |
| Net Interest Margin ? |
2.83%
+3.2% YoY
+1.5% QoQ
|
-1.15% |
3.99%
+5.0% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 6.5% in tier |
| Efficiency Ratio ? |
78.96%
-7.8% YoY
-6.1% QoQ
|
+14.48% |
64.48%
-3.2% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.7% in tier |
| Delinquency Rate ? |
0.51%
+107.3% YoY
+2.0% QoQ
|
-0.41% |
0.92%
+15.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
90.79%
-10.5% YoY
-3.6% QoQ
|
+12.84% |
77.95%
+1.0% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
12.70%
-26.9% YoY
-21.0% QoQ
|
-9.33% |
22.03%
-0.6% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.32%
+96.6% YoY
+1.8% QoQ
|
-0.35% |
0.67%
+16.4% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
16.31%
-0.5% YoY
+0.1% QoQ
|
+0.40% |
15.91%
+1.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.05%
-7.0% YoY
+102.2% QoQ
|
-0.52% |
0.57%
+7.6% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 5.4% 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 |
12.7%
-4.7pp YoY -3.4pp QoQ |
-9.5pp | 22.1% | 16.2% | 22.2% | 16% |
| 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 |
0.5%
0.0pp YoY 0.0pp QoQ |
-11.0pp | 11.6% | 6.5% | 12.5% | 2% |
| CRE |
28.8%
+1.4pp YoY -0.1pp QoQ |
-10.7pp | 39.5% | 40.3% | 41.4% | 33% |
| 1-4 Family |
71.3%
-1.4pp YoY +0.2pp QoQ |
+38.7pp | 32.6% | 52.4% | 31.3% | 94% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 1.6% | 5.0% | 4% |
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 |
16.3%
-0.1pp YoY 0.0pp QoQ |
+4.1pp | 12.2% | 11.5% | 12.6% | 91% |
| 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 |
14
-1 (-6.7%) YoY 0 QoQ |
-45 | 58 | 755 | 482 | 3% |
| Assets per Employee ($) |
$14.6M
+8.7% YoY -2.1% QoQ |
+$7.1M | $7.5M | $10.7M | $8.8M | 97% |
| Branch Count |
2
-1 (-33.3%) YoY 0 QoQ |
-3 | 4 | 13 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.3pp YoY 0.0pp QoQ |
-0.4pp | 0.9% | 0.8% | 1.0% | 53% |
| Allowance Coverage |
1.28x
-46.6% YoY +0.3% QoQ |
-22.88x | 24.15x | 7.95x | 20.23x | 34% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.7%
+1.0pp YoY +0.3pp QoQ |
-9.5pp | 12.2% | 5.6% | 11.6% | 8% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 2.0% | 1.7% | 72% |
| Net Income ($, YTD) |
$384,000
+64.1% YoY — QoQ |
-$2.2M | $2.6M | $31.7M | $40.4M | 8% |
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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 (5)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.