BlastPoint's Credit Union Scorecard
GFA
Charter #24279 · MA
GFA has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 0.2% in tier
- + Wallet Share Momentum: Top 0.2% in tier
- + AMR Growth Rate: Top 0.1% in tier
- + Total Assets: Top 1.8% in tier
- + Loan Growth Rate: Top 6.1% in tier
- + Deposit Growth Rate: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.0% in tier
- - Membership Headwinds: Bottom 99.8% in tier
- - Stagnation Risk: Bottom 99.8% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 14.83% above tier (higher cost structure)
- - Member decline: -26.2% YoY
- - Member Growth Rate: Bottom 0.6% in tier
- - Net Interest Margin (NIM): Bottom 9.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 8 that size in Massachusetts.
- Shares and deposits +11.8% year over year ($617M in shares and deposits).
- Membership: 33,661 members, -26.2% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 0.14%.
- Efficiency ratio 91.39% vs a 76.56% peer average.
- Loan-to-share ratio 81.88% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,661
-26.2% YoY+0.7% QoQ
|
-4.2K |
37,897
-5.0% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
35% |
| Assets |
$747.3M
+5.2% YoY-1.7% QoQ
|
+$124.9M |
$622.4M
+0.6% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
Top 2.4% in tier |
| Loans |
$505.3M
+15.0% YoY-1.0% QoQ
|
+$76.8M |
$428.5M
-0.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$617.1M
+11.8% YoY+1.4% QoQ
|
+$77.4M |
$539.8M
+0.9% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
82% |
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| ROA |
0.1%
-371.7% YoY-54.0% QoQ
|
-0.7% |
0.8%
+39.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.8% in tier |
| NIM |
2.8%
+14.8% YoY+1.3% QoQ
|
-0.8% |
3.5%
+5.0% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.5% in tier |
| Efficiency Ratio |
91.4%
-4.3% YoY+17.3% QoQ
|
+14.8% |
76.6%
-3.6% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate |
0.8%
-51.0% YoY+80.0% QoQ
|
-0.1 |
0.8%
+3.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
81.9%
+2.8% YoY-2.3% QoQ
|
+2.6% |
79.3%
-1.4% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
51% |
| AMR |
$33,345
+53.5% YoY-0.4% QoQ
|
+$6K |
$27,294
+4.1% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
81% |
| CD Concentration |
30.9%
+28.9% YoY+0.7% QoQ
|
+6.3% | 24.6% | 25.4% | 20.0% | 74% |
| Indirect Auto % |
5.2%
+3.7% YoY+9.0% QoQ
|
-8.4% | 13.6% | 2.4% | 7.7% | 46% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)