BlastPoint's Banking Scorecard
Methuen Co-operative Bank
Micro
Specialty: Mortgage
MA
FDIC cert 26512
Designations: ✓ Community bank ✓ Mutual
Methuen, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
Methuen Co-operative Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$138.5M
+0.9% YoY
-1.8% QoQ
|
-$79.0M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$103.5M
-0.1% YoY
-1.7% QoQ
|
-$35.7M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$125.1M
+0.4% YoY
-2.1% QoQ
|
-$58.6M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
0.37%
+44.5% YoY
-2.5% QoQ
|
-0.72% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.01%
+10.8% YoY
+1.3% QoQ
|
-0.85% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
84.85%
-6.0% YoY
+0.2% QoQ
|
+17.13% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
1.10%
+24.1% YoY
+0.5% QoQ
|
+0.46% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
82.72%
-0.5% YoY
+0.4% QoQ
|
+8.20% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
16.48%
+4.2% YoY
-10.5% QoQ
|
-5.91% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.82%
+22.9% YoY
+0.6% QoQ
|
+0.37% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
-4.6% YoY
+40.3% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
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%
Top Strengths
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Total Loans
Current: $103.5M · Tier avg: $139.2M
37
37th pctile
Total Deposits
Current: $125.1M · Tier avg: $183.7M
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.72% · Tier avg: 74.53%
34
34th pctile
Total Assets
Current: $138.5M · Tier avg: $217.5M
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.48% · Tier avg: 22.39%
26
26th pctile
Delinquency Rate
Current: 1.10% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.45%
16
16th pctile
Net Interest Margin
Current: 3.01% · Tier avg: 3.85%
14
14th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.08%
14
14th pctile
Efficiency Ratio
Current: 84.85% · Tier avg: 67.73%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
14
14th pctile
Efficiency Ratio
Current: 84.85% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.08%
16
16th pctile
Net Interest Margin
Current: 3.01% · Tier avg: 3.85%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.45%
26
26th pctile
Delinquency Rate
Current: 1.10% · Tier avg: 0.64%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 16.48% · Tier avg: 22.39%
34
34th pctile
Total Assets
Current: $138.5M · Tier avg: $217.5M
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.72% · Tier avg: 74.53%
37
37th pctile
Total Deposits
Current: $125.1M · Tier avg: $183.7M
44
44th pctile
Total Loans
Current: $103.5M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%