BlastPoint's Credit Union Scorecard

UMASSFIVE COLLEGE

Charter #18181 · MA

Community 500M-750M

167 CUs in 500M-750M nationally 7 in MA

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UMASSFIVE COLLEGE has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 36.4% in tier
+ Organic Growth Engine: Top 36.4% in tier
+ Net Interest Margin 0.06% above tier average
+ Total Members: Top 6.6% in tier
+ Total Deposits: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 26.8% in tier
- ROA 0.30% below tier average
- Efficiency ratio 6.78% above tier (higher cost structure)
- Delinquency rate 0.27% above tier average
- Fee Income Per Member: Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	51,124 +1.3% YoY+0.8% QoQ	+13.0K	38,079 -4.8% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	Top 7.2% in tier
Assets	$712.5M -0.5% YoY+1.3% QoQ	+$92.8M	$619.7M -0.2% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	Top 13.8% in tier
Loans	$543.4M +0.6% YoY-0.1% QoQ	+$124.1M	$419.3M -1.4% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	Top 11.4% in tier
Deposits	$641.6M +3.2% YoY+2.4% QoQ	+$102.1M	$539.5M -0.1% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	Top 8.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -10.1% QoQ	-0.3%	0.7% +36.0% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	28%
NIM	3.5% +12.0% YoY+3.8% QoQ	+0.1%	3.5% +4.5% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	57%
Efficiency Ratio	85.2% -3.4% YoY+2.7% QoQ	+6.8%	78.4% -3.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	1.0% -1.3% YoY+6.0% QoQ	+0.3	0.7% -0.9% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	75%
Loan To Share	84.7% -2.4% YoY-2.4% QoQ	+7.0%	77.7% -1.2% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	64%
AMR	$23,180 +0.7% YoY+0.5% QoQ	$-4K	$26,927 +3.1% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	32%
CD Concentration	29.1% -1.3% YoY-2.1% QoQ	+4.8%	24.3%	25.2%	19.8%	68%
Indirect Auto %	3.1% -22.7% YoY-6.2% QoQ	-10.7%	13.8%	2.3%	7.7%	41%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#283 of 371 • Top 36.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.29%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 3.07%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#331 of 352 • Top 36.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.29%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.38%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 3.07%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#348 of 596 • Bottom 26.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.17%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.38% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 1.29%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (5 metrics)

Total Members

engagement

Value: 51,124

Peer Median: 36,874

#12 of 167 Top 6.6% in 500M-750M tier

Total Deposits

balance_sheet

Value: $641.62M

Peer Median: $543.36M

#14 of 167 Top 7.8% in 500M-750M tier

Total Loans

balance_sheet

Value: $543.42M

Peer Median: $427.27M

#19 of 167 Top 10.8% in 500M-750M tier

Total Assets

balance_sheet

Value: $712.46M

Peer Median: $619.16M

#23 of 167 Top 13.2% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 419.049

Peer Median: 318.730

#24 of 167 Top 13.8% in 500M-750M tier

Top Weaknesses (4 metrics)

158

Fee Income Per Member

profitability

Value: $84.42

Peer Median: $178.80

#158 of 167 Bottom 6.0% in 500M-750M tier

142

Asset Growth Rate

growth

Value: -0.52%

Peer Median: 4.66%

#142 of 167 Bottom 15.6% in 500M-750M tier

130

AMR Growth Rate

growth

Value: 0.70%

Peer Median: 4.03%

#130 of 167 Bottom 22.8% in 500M-750M tier

128

Efficiency Ratio

profitability

Value: 85.17%

Peer Median: 78.61%

#128 of 167 Bottom 24.0% in 500M-750M tier