BlastPoint's Credit Union Scorecard

UMASSFIVE COLLEGE

Charter #18181 · MA

Community 500M-750M

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

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UMASSFIVE COLLEGE has 3 strengths but faces 6 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 72.9% in tier
+ Organic Growth Engine: Top 88.7% in tier
+ Total Members: Top 8.5% in tier

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 27.5% in tier
- Efficiency Drag: Bottom 52.3% in tier
- ROA 0.23% below tier average
- Efficiency ratio 5.41% above tier (higher cost structure)
- Delinquency rate 0.08% above tier average
- Fee Income Per Member: Bottom 4.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	50,733 +1.4% YoY-1.5% QoQ	+12.2K	38,575 -4.8% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	Top 9.1% in tier
Assets	$703.5M +1.0% YoY-0.0% QoQ	+$81.8M	$621.7M +0.1% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	81%
Loans	$543.9M -1.1% YoY-0.4% QoQ	+$114.0M	$429.8M -1.8% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	Top 14.5% in tier
Deposits	$626.8M +4.5% YoY+0.6% QoQ	+$88.0M	$538.7M +0.6% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	Top 13.3% 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% +80.8% YoY+0.0% QoQ	-0.2%	0.7% +42.9% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	34%
NIM	3.4% +11.9% YoY+1.7% QoQ	-0.0%	3.4% +8.0% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	45%
Efficiency Ratio	82.9% -4.2% YoY+0.1% QoQ	+5.4%	77.5% -4.1% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	76%
Delinquency Rate	0.9% -16.8% YoY+4.8% QoQ	+0.1	0.8% -1.1% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	69%
Loan To Share	86.8% -5.4% YoY-1.0% QoQ	+6.9%	79.8% -2.3% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	66%
AMR	$23,074 +0.4% YoY+1.6% QoQ	$-4K	$26,849 +2.7% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	33%
CD Concentration	29.7% +3.9% YoY+0.0% QoQ	+5.3%	24.4%	25.0%	19.8%	70%
Indirect Auto %	3.3% -20.9% YoY-5.7% QoQ	-10.5%	13.8%	2.4%	7.8%	42%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#311 of 426 • Top 72.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.45%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 3.27%

(Tier: 13.79%, National: 7.78%)

better than tier avg

609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#528 of 595 • Top 88.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.45%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.43%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 3.27%

(Tier: 13.79%, National: 7.78%)

better than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Flatlined Growth

risk

#12 of 41 • Bottom 27.5% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.97%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Return on Assets: 0.43%

(Tier: 0.75%, National: 0.67%)

worse than tier avg

41 of 282 Community CUs have this signature | 59 nationally

→ No prior data (41 CUs now) | New qualifier

Efficiency Drag

risk

#282 of 538 • Bottom 52.3% in tier

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

Why This Signature

Efficiency Ratio: 82.92%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.19% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 1.45%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

633 nationally

↓ Shrinking -98 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 165 peers in tier

Top Strengths (5 metrics)

Total Members

engagement

Value: 50,733

Peer Median: -

#15 of 165 Top 8.5% in 500M-750M tier

Total Deposits

balance_sheet

Value: $626.76M

Peer Median: -

#22 of 165 Top 12.7% in 500M-750M tier

Total Loans

balance_sheet

Value: $543.85M

Peer Median: -

#24 of 165 Top 13.9% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 409.137

Peer Median: -

#24 of 165 Top 13.9% in 500M-750M tier

Total Assets

balance_sheet

Value: $703.53M

Peer Median: -

#31 of 165 Top 18.2% in 500M-750M tier

Top Weaknesses (5 metrics)

159

Fee Income Per Member

profitability

Value: $96.21

Peer Median: -

#159 of 165 Bottom 4.2% in 500M-750M tier

131

Asset Growth Rate

growth

Value: 0.97%

Peer Median: -

#131 of 165 Bottom 21.2% in 500M-750M tier

131

Loan Growth Rate

growth

Value: -1.08%

Peer Median: -

#131 of 165 Bottom 21.2% in 500M-750M tier

126

Efficiency Ratio

profitability

Value: 82.92%

Peer Median: -

#126 of 165 Bottom 24.2% in 500M-750M tier

125

AMR Growth Rate

growth

Value: 0.39%

Peer Median: -

#125 of 165 Bottom 24.8% in 500M-750M tier