BlastPoint's Banking Scorecard
Winchester Co-operative Bank
Community
Specialty: Mortgage
MA
FDIC cert 27238
Designations: ✓ Mutual
Winchester, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Winchester Co-operative Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 26% in Community
- - Liquidity Strain: Bottom 26% in Community
- - Net Interest Margin 1.60% below tier
- - Non-Interest-Bearing Deposit Share 15.49% below tier
- - Non-Interest Income / Assets 0.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$907.4M
+6.5% YoY
+1.9% QoQ
|
-$484.0M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$677.3M
+6.5% YoY
+1.6% QoQ
|
-$298.2M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$736.9M
+7.4% YoY
+2.2% QoQ
|
-$427.7M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
0.47%
+188.2% YoY
+6.2% QoQ
|
-0.70% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.06%
+20.6% YoY
+1.6% QoQ
|
-1.60% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
71.62%
-19.7% YoY
-0.8% QoQ
|
+8.99% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.60%
+13.8% YoY
-25.7% QoQ
|
-0.02% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
91.91%
-0.9% YoY
-0.7% QoQ
|
+8.85% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
5.56%
+12.5% YoY
-2.0% QoQ
|
-15.49% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.45%
+13.7% YoY
-26.0% QoQ
|
-0.05% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.16%
+16.6% YoY
+22.8% QoQ
|
-0.58% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Credit Risk Growth
risk
#165 of 642 · Bottom 26% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#134 of 513 · Bottom 26% 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:
91.91%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Bottom 2%
in Community
Why this stands out
Current:
2.06%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
5.56%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 7%
in Community
Why this stands out
Current:
0.16%
(Tier avg: 0.74%, 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
70
70th pctile
Loan-to-Deposit Ratio
Current: 91.91% · Tier avg: 83.06%
48
48th pctile
Total Loans
Current: $677.3M · Tier avg: $975.5M
44
44th pctile
Total Assets
Current: $907.4M · Tier avg: $1.4B
42
42th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
41
41th pctile
Total Deposits
Current: $736.9M · Tier avg: $1.2B
40
40th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Efficiency Ratio
Current: 71.62% · Tier avg: 62.63%
10
10th pctile
Return on Assets
Current: 0.47% · Tier avg: 1.16%
7
7th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.56% · Tier avg: 21.05%
2
2th pctile
Net Interest Margin
Current: 2.06% · Tier avg: 3.66%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.06% · Tier avg: 3.66%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.56% · Tier avg: 21.05%
7
7th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
10
10th pctile
Return on Assets
Current: 0.47% · Tier avg: 1.16%
23
23th pctile
Efficiency Ratio
Current: 71.62% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
40
40th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.63%
41
41th pctile
Total Deposits
Current: $736.9M · Tier avg: $1.2B
42
42th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
44
44th pctile
Total Assets
Current: $907.4M · Tier avg: $1.4B
48
48th pctile
Total Loans
Current: $677.3M · Tier avg: $975.5M
70
70th pctile
Loan-to-Deposit Ratio
Current: 91.91% · Tier avg: 83.06%