BlastPoint's Banking Scorecard
Wrentham Co-operative Bank
Micro
Specialty: Mortgage
MA
FDIC cert 26576
Designations: ✓ Community bank ✓ Mutual
Wrentham, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
Wrentham Co-operative Bank has 2 strengths but faces 3 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
- - Return on Assets 1.31% below tier
- - Net Interest Margin 2.04% below tier
- - Efficiency Ratio 50.32% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.5M
+5.2% YoY
+3.3% QoQ
|
-$29.0M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$112.9M
+4.0% YoY
-0.9% QoQ
|
-$26.2M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$171.6M
+6.2% YoY
+3.8% QoQ
|
-$12.0M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
-0.22%
+67.4% YoY
+6.6% QoQ
|
-1.31% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
1.81%
+14.8% YoY
+1.9% QoQ
|
-2.04% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
118.05%
-17.7% YoY
+0.4% QoQ
|
+50.32% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% 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 ? |
65.80%
-2.1% YoY
-4.5% QoQ
|
-8.73% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
11.17%
+2.6% YoY
+3.6% QoQ
|
-11.22% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% 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 ? | 21.40% | +12.55% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.22%
+29.6% YoY
+18.1% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
27% |
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 (3)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.22%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
1.81%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
118.05%
(Tier avg: 67.73%, National avg: 65.09%)
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%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.40% · Tier avg: 8.85%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.80% · Tier avg: 74.53%
52
52th pctile
Total Deposits
Current: $171.6M · Tier avg: $183.7M
48
48th pctile
Total Assets
Current: $188.5M · Tier avg: $217.5M
47
47th pctile
Total Loans
Current: $112.9M · Tier avg: $139.2M
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.17% · Tier avg: 22.39%
5
5th pctile
Return on Assets
Current: -0.22% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 118.05% · Tier avg: 67.73%
2
2th pctile
Net Interest Margin
Current: 1.81% · Tier avg: 3.85%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 1.81% · Tier avg: 3.85%
2
2th pctile
Efficiency Ratio
Current: 118.05% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.22% · Tier avg: 1.08%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.17% · Tier avg: 22.39%
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
47
47th pctile
Total Loans
Current: $112.9M · Tier avg: $139.2M
48
48th pctile
Total Assets
Current: $188.5M · Tier avg: $217.5M
52
52th pctile
Total Deposits
Current: $171.6M · Tier avg: $183.7M
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.80% · Tier avg: 74.53%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.40% · Tier avg: 8.85%
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%