BlastPoint's Credit Union Scorecard
GFA
Charter #24279 · MA
GFA has 7 strengths but faces 6 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 3.0% in tier
- + Wallet Share Momentum: Top 6.5% in tier
- + Organic Growth Leader: Top 64.5% in tier
- + Organic Growth Engine: Top 92.3% in tier
- + AMR Growth Rate: Top 1.7% in tier
- + Loan Growth Rate: Top 2.6% in tier
- + Deposit Growth Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 19.5% in tier
- - ROA 0.73% below tier average
- - Efficiency ratio 17.30% above tier (higher cost structure)
- - Total Deposits: Bottom 4.3% in tier
- - Net Interest Margin (NIM): Bottom 6.8% in tier
- - Total Assets: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,175
+1.9% YoY+0.8% QoQ
|
-18.9K |
52,084
-1.6% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 12.0% in tier |
| Assets |
$760.0M
+12.2% YoY+1.3% QoQ
|
$-103.9M |
$863.9M
+0.5% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.7% in tier |
| Loans |
$503.8M
+23.7% YoY+1.4% QoQ
|
$-102.0M |
$605.8M
+1.4% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$604.1M
+14.9% YoY+2.4% QoQ
|
$-133.2M |
$737.3M
+0.1% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.4% in tier |
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| ROA |
0.0%
-104.9% YoY-121.8% QoQ
|
-0.7% |
0.7%
+39.1% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.3% in tier |
| NIM |
2.3%
+19.0% YoY-0.5% QoQ
|
-1.0% |
3.4%
+8.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.0% in tier |
| Efficiency Ratio |
91.6%
-10.8% YoY-1.4% QoQ
|
+17.3% |
74.3%
-3.6% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
0.4%
-55.4% YoY-1.0% QoQ
|
-0.5 |
0.9%
+3.8% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
83.4%
+7.7% YoY-0.9% QoQ
|
+0.8% |
82.6%
+1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$33,396
+16.5% YoY+1.2% QoQ
|
+$5K |
$28,873
+2.7% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
31.4%
+30.7% YoY-1.3% QoQ
|
+6.9% | 24.4% | 25.0% | 19.8% | 75% |
| Indirect Auto % |
4.6%
-38.0% YoY-1.6% QoQ
|
-9.2% | 13.8% | 2.4% | 7.8% | 44% |
Signature Analysis
Strengths (4)
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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
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)