BlastPoint's Credit Union Scorecard

UMASSFIVE COLLEGE

Charter #18181 · MA

Community 500M-750M

169 CUs in 500M-750M nationally 9 in MA

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UMASSFIVE COLLEGE has 2 strengths but faces 7 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 25.5% in tier
+ Organic Growth Engine: Top 29.9% 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	79%
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

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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% +149.8% YoY+47.4% QoQ	-0.2%	0.7% +33.9% YoY	0.7% +17.3% YoY	0.7% +273.4% YoY	36%
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	42%
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	72%
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	68%
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	62%
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	36%
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	69%
Indirect Auto %	3.5% -20.5% YoY-7.9% QoQ	-10.5%	14.0% -5.7% YoY	2.6% -15.5% YoY	7.9% -2.9% YoY	42%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#337 of 430 • Top 25.5% in tier

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

Why This Signature

Member Growth (YoY): 1.26%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 3.47%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

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: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (3)

Flatlined Growth

risk

#11 of 58 • Bottom 9.7% 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): -0.48%

(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

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

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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (5 metrics)

Members Per Employee (MPE)

engagement

Value: 432.899

Peer Avg: -

#19 of 169 Top 10.7% in 500M-750M tier

Total Deposits

balance_sheet

Value: $623.31M

Peer Avg: -

#21 of 169 Top 11.8% in 500M-750M tier

Total Members

engagement

Value: 51,515

Peer Avg: -

#22 of 169 Top 12.4% in 500M-750M tier

Total Loans

balance_sheet

Value: $546.30M

Peer Avg: -

#22 of 169 Top 12.4% in 500M-750M tier

Total Assets

balance_sheet

Value: $703.68M

Peer Avg: -

#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: -

#159 of 169 Bottom 6.5% in 500M-750M tier

138

Asset Growth Rate

growth

Value: -0.48%

Peer Avg: -

#138 of 169 Bottom 18.9% in 500M-750M tier

130

Loan Growth Rate

growth

Value: -0.93%

Peer Avg: -

#130 of 169 Bottom 23.7% in 500M-750M tier