BlastPoint's Banking Scorecard
Commonwealth Co-operative Bank
Micro
Specialty: Mortgage
MA
FDIC cert 29842
Designations: ✓ Community bank ✓ Mutual
Hyde Park, MA
2498
banks in Micro tier nationally
21 in MA
View Micro leaderboard (MA) →
Commonwealth Co-operative Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.09% below tier
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$205.3M
-4.3% YoY
+1.1% QoQ
|
-$12.2M |
$217.5M
+2.3% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$132.5M
+0.3% YoY
-2.2% QoQ
|
-$6.6M |
$139.2M
+2.8% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$135.0M
-2.9% YoY
+3.2% QoQ
|
-$48.6M |
$183.7M
+1.8% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
0.26%
+38.5% YoY
-3.1% QoQ
|
-0.82% |
1.08%
+14.7% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.77%
+11.4% YoY
-0.1% QoQ
|
-1.09% |
3.85%
+6.6% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
84.22%
-6.4% YoY
+0.6% QoQ
|
+16.49% |
67.73%
-4.8% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.56%
+123.2% YoY
+136.7% QoQ
|
-0.08% |
0.64%
+24.4% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
98.16%
+3.3% YoY
-5.2% QoQ
|
+23.63% |
74.53%
+0.5% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.27%
-34.2% YoY
+3.7% QoQ
|
-6.13% |
22.39%
-1.3% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.36%
+134.0% YoY
+129.0% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.10%
-1.4% YoY
+31.1% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.77%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(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
54
54th pctile
Total Loans
Current: $132.5M · Tier avg: $139.2M
53
53th pctile
Total Assets
Current: $205.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.64%
41
41th pctile
Total Deposits
Current: $135.0M · Tier avg: $183.7M
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.27% · Tier avg: 22.39%
14
14th pctile
Efficiency Ratio
Current: 84.22% · Tier avg: 67.73%
11
11th pctile
Return on Assets
Current: 0.26% · Tier avg: 1.08%
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.16% · Tier avg: 74.53%
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.16% · Tier avg: 74.53%
11
11th pctile
Return on Assets
Current: 0.26% · Tier avg: 1.08%
14
14th pctile
Efficiency Ratio
Current: 84.22% · Tier avg: 67.73%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.27% · Tier avg: 22.39%
41
41th pctile
Total Deposits
Current: $135.0M · Tier avg: $183.7M
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.64%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Assets
Current: $205.3M · Tier avg: $217.5M
54
54th pctile
Total Loans
Current: $132.5M · Tier avg: $139.2M