UMASSFIVE COLLEGE

Charter #18181 | MA

500M-750M (169 CUs) Community (281 CUs)
9 500M-750M in MA

UMASSFIVE COLLEGE has 4 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 25.5% in tier
  • + Relationship Depth Leader: Top 27.8% in tier
  • + Organic Growth Engine: Top 29.9% in tier
  • + Wallet Share Momentum: Top 35.3% in tier

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 9.7% in tier
  • - Efficiency Drag: Bottom 18.5% in tier
  • - Credit Quality Pressure: Bottom 26.7% in tier
  • - ROA 0.23% below tier average
  • - Efficiency ratio 4.78% above tier (higher cost structure)
  • - Delinquency rate 0.08% above tier average
  • - Fee Income Per Member: Bottom 6.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 51,515
+1.3% YoY+1.2% QoQ
 +11.8K 39,752
-2.7% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 Top 13.0% in tier
Assets $703.7M
-0.5% YoY-0.2% QoQ
 +$81.3M $622.4M
+0.3% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 Top 21.3% in tier
Loans $546.3M
-0.9% YoY+1.4% QoQ
 +$110.4M $435.9M
-0.4% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 Top 13.0% in tier
Deposits $623.3M
+4.9% YoY-0.0% QoQ
 +$85.3M $538.0M
+1.3% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 Top 12.4% in tier
ROA 0.4%
+149.8% YoY+47.4% QoQ
 -0.2% 0.7%
+33.9% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 36th in tier
NIM 3.3%
+12.9% YoY+3.4% QoQ
 -0.1% 3.4%
+8.6% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 42nd in tier
Efficiency Ratio 82.9%
-6.7% YoY-1.7% QoQ
 +4.8% 78.1%
-3.4% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 72nd in tier
Delinquency Rate 0.9%
+3.1% YoY-6.7% QoQ
 +0.1 0.8%
-4.9% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 68th in tier
Loan To Share 87.6%
-5.5% YoY+1.4% QoQ
 +6.6% 81.0%
-1.8% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 62nd in tier
AMR $22,704
+0.8% YoY-0.6% QoQ
 $-4K $26,482
+2.6% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 36th in tier
CD Concentration 29.7%
+5.6% YoY-1.1% QoQ
 +5.3% 24.4%
+4.2% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 69th in tier
Indirect Auto % 3.5%
-20.5% YoY-7.9% QoQ
 -10.5% 14.0%
-5.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 42nd in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#337 of 430 • Top 25.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.26%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#766 of 1006 • Top 27.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.81%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#548 of 603 • Top 29.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.26%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.43%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 3.47%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#975 of 1006 • Top 35.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.81%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

Flatlined Growth

risk
#11 of 58 • Bottom 9.7% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $703.68M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): -0.48%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.43%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 281 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

Efficiency Drag

risk
#328 of 521 • Bottom 18.5% in tier

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

Why This Signature
Efficiency Ratio: 82.87%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.26% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 1.26%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#662 of 736 • Bottom 26.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 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)

Comparing against 169 peers in tier

Top Strengths (5 metrics)

19
Members Per Employee (MPE)
engagement
Value: 432.899
Peer Avg: 338.010
#19 of 169 Top 10.7% in 500M-750M tier
21
Total Deposits
balance_sheet
Value: $623.31M
Peer Avg: $538.02M
#21 of 169 Top 11.8% in 500M-750M tier
22
Total Members
engagement
Value: 51,515
Peer Avg: 39,752
#22 of 169 Top 12.4% in 500M-750M tier
22
Total Loans
balance_sheet
Value: $546.30M
Peer Avg: $435.95M
#22 of 169 Top 12.4% in 500M-750M tier
36
Total Assets
balance_sheet
Value: $703.68M
Peer Avg: $622.38M
#36 of 169 Top 20.7% in 500M-750M tier

Top Weaknesses (3 metrics)

159
Fee Income Per Member
profitability
Value: $103.06
Peer Avg: $199.27
#159 of 169 Bottom 6.5% in 500M-750M tier
138
Asset Growth Rate
growth
Value: -0.48%
Peer Avg: 4.33%
#138 of 169 Bottom 18.9% in 500M-750M tier
130
Loan Growth Rate
growth
Value: -0.93%
Peer Avg: 4.04%
#130 of 169 Bottom 23.7% in 500M-750M tier