BlastPoint's Banking Scorecard
North Cambridge Co-operative Bank
Micro
Specialty: Other
MA
FDIC cert 26567
Designations: ✓ Community bank ✓ Mutual
Cambridge, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
North Cambridge Co-operative Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 35.89% above tier
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$88.1M
+5.3% YoY
+2.6% QoQ
|
-$129.4M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$46.5M
-3.6% YoY
-0.2% QoQ
|
-$92.6M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$61.3M
+4.6% YoY
+3.9% QoQ
|
-$122.3M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.72%
-7.2% YoY
-20.0% QoQ
|
-0.37% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
2.97%
-8.4% YoY
-0.4% QoQ
|
-0.88% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
103.62%
+11.3% YoY
-0.6% QoQ
|
+35.89% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
75.88%
-7.8% YoY
-3.9% QoQ
|
+1.35% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
9.95%
+48.5% YoY
-4.3% QoQ
|
-12.45% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
63.81%
+2.0% YoY
+0.1% QoQ
|
+54.96% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.03%
-31.7% YoY
+24.5% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
103.62%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.03%
(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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
51
51th pctile
Loan-to-Deposit Ratio
Current: 75.88% · Tier avg: 74.53%
29
29th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.08%
19
19th pctile
Total Assets
Current: $88.1M · Tier avg: $217.5M
18
18th pctile
Total Loans
Current: $46.5M · Tier avg: $139.2M
16
16th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
14
14th pctile
Total Deposits
Current: $61.3M · Tier avg: $183.7M
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 9.95% · Tier avg: 22.39%
4
4th pctile
Efficiency Ratio
Current: 103.62% · Tier avg: 67.73%
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
4
4th pctile
Efficiency Ratio
Current: 103.62% · Tier avg: 67.73%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 9.95% · Tier avg: 22.39%
14
14th pctile
Total Deposits
Current: $61.3M · Tier avg: $183.7M
16
16th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
18
18th pctile
Total Loans
Current: $46.5M · Tier avg: $139.2M
19
19th pctile
Total Assets
Current: $88.1M · Tier avg: $217.5M
29
29th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.08%
51
51th pctile
Loan-to-Deposit Ratio
Current: 75.88% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%