BlastPoint's Banking Scorecard
Everett Co-operative Bank
Everett, MA
Everett Co-operative Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.51% below tier
- - Loan-to-Deposit Ratio 36.86% above tier
- - Non-Interest-Bearing Deposit Share 13.91% below tier
- - Non-Interest Income / Assets 0.65% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+13.2% YoY
+3.4% QoQ
|
+$213.9M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$1.4B
+20.7% YoY
+5.1% QoQ
|
+$396.7M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$1.1B
+12.8% YoY
+2.1% QoQ
|
-$20.4M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
0.50%
+79.1% YoY
+11.0% QoQ
|
-0.66% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.15%
+14.2% YoY
+3.6% QoQ
|
-1.51% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
64.51%
-19.0% YoY
-2.1% QoQ
|
+1.88% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.08%
-51.8% YoY
-5.7% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
119.93%
+7.1% YoY
+2.9% QoQ
|
+36.86% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.13%
-15.0% YoY
-5.9% QoQ
|
-13.91% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-48.6% YoY
-4.1% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
13.34%
-14.3% YoY
-2.7% QoQ
|
+3.10% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.09%
-4.4% YoY
+32.5% QoQ
|
-0.65% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Net Interest Margin
metricNet Interest Margin is in the bottom decile of tier peers. Loan yields, funding mix, or asset mix are compressing margin relative to peers - check deposit costs and loan repricing cadence.
Loan-to-Deposit Ratio
metricLoan-to-Deposit Ratio sits in the healthy band but at the low end of tier peers. Lending capacity is intact but underutilized - room to grow loans without funding-side strain.
Non-Interest-Bearing Deposit Share
metricNon-Interest-Bearing Deposit Share is in the bottom decile of tier peers. The deposit base leans more on interest-bearing funding than at peers - margin more exposed to rate hikes.
Non-Interest Income / Assets
metricNon-Interest Income as a share of assets is in the bottom decile of tier peers. Revenue mix is heavily reliant on spread income - earnings more exposed to rate cycle inflections.
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%