BlastPoint's Banking Scorecard
The Cooperative Bank
Community
Specialty: Commercial
MA
FDIC cert 26922
Designations: ✓ Mutual
Roslindale, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
The Cooperative 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
- - Liquidity Strain: Bottom 12% in Community
- - Efficiency Drag: Bottom 74% in Community
- - Return on Assets 1.05% below tier
- - Net Interest Margin 1.00% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$543.5M
-2.0% YoY
+0.8% QoQ
|
-$848.0M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$452.7M
-3.1% YoY
+1.0% QoQ
|
-$522.7M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$454.7M
-0.8% YoY
+1.1% QoQ
|
-$709.9M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.12%
+5.1% YoY
-9.1% QoQ
|
-1.05% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.67%
+9.6% YoY
+1.2% QoQ
|
-1.00% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
95.93%
-4.4% YoY
+0.1% QoQ
|
+33.30% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.54%
-20.0% YoY
+2.3% QoQ
|
-0.09% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
99.58%
-2.4% YoY
-0.1% QoQ
|
+16.52% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.73%
-2.5% YoY
-5.4% QoQ
|
-0.31% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.45%
-20.9% YoY
+2.4% QoQ
|
-0.05% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
13.25%
+4.3% YoY
-0.4% QoQ
|
+3.01% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.22%
-14.1% YoY
+41.0% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Liquidity Strain
risk
#64 of 513 · Bottom 12% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
99.58%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#112 of 152 · Bottom 74% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
95.93%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.12%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 8%
in Community
Why this stands out
Current:
2.67%
(Tier avg: 3.66%, National avg: 3.75%)
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
60
60th pctile
Tier 1 Capital Ratio
Current: 13.25% · Tier avg: 10.24%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.73% · Tier avg: 21.05%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
23
23th pctile
Total Loans
Current: $452.7M · Tier avg: $975.5M
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.58% · Tier avg: 83.06%
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
8
8th pctile
Net Interest Margin
Current: 2.67% · Tier avg: 3.66%
6
6th pctile
Total Assets
Current: $543.5M · Tier avg: $1.4B
6
6th pctile
Total Deposits
Current: $454.7M · Tier avg: $1.2B
4
4th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.16%
2
2th pctile
Efficiency Ratio
Current: 95.93% · Tier avg: 62.63%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 95.93% · Tier avg: 62.63%
4
4th pctile
Return on Assets
Current: 0.12% · Tier avg: 1.16%
6
6th pctile
Total Deposits
Current: $454.7M · Tier avg: $1.2B
6
6th pctile
Total Assets
Current: $543.5M · Tier avg: $1.4B
8
8th pctile
Net Interest Margin
Current: 2.67% · Tier avg: 3.66%
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
14
14th pctile
Loan-to-Deposit Ratio
Current: 99.58% · Tier avg: 83.06%
23
23th pctile
Total Loans
Current: $452.7M · Tier avg: $975.5M
42
42th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.73% · Tier avg: 21.05%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.25% · Tier avg: 10.24%