BlastPoint's Credit Union Scorecard
HOLYOKE COMMUNITY
Charter #2818 · CO
HOLYOKE COMMUNITY has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 8.1% in tier
- + Average Member Relationship (AMR): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 1.7% in tier
- - Net Worth Ratio: Bottom 5.1% in tier
- - Share Certificate Concentration (%): Bottom 5.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,922
-0.8% YoY-0.5% QoQ
|
+306 |
2,615
-1.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$47.6M
+9.1% YoY+0.4% QoQ
|
+$17.4M |
$30.1M
+2.1% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$29.4M
+1.5% YoY+1.1% QoQ
|
+$13.6M |
$15.8M
-1.3% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$43.5M
+8.8% YoY+1.9% QoQ
|
+$17.8M |
$25.7M
+1.4% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.9%
+150.2% YoY+0.1% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
3.3%
+2.9% YoY-1.5% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
74.5%
-16.9% YoY-0.6% QoQ
|
-8.1% |
82.6%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.9%
-41.5% YoY+136.8% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
67.5%
-6.7% YoY-0.8% QoQ
|
+6.9% |
60.6%
-3.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$24,932
+6.6% YoY+2.1% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
Top 8.3% in tier |
| CD Concentration |
43.7%
+1.0% YoY+3.2% QoQ
|
+19.3% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)