BlastPoint's Credit Union Scorecard
GFA
Charter #24279 · MA
GFA has 7 strengths but faces 4 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 4.5% in tier
- + Wallet Share Momentum: Top 4.5% in tier
- + Organic Growth Leader: Top 23.2% in tier
- + Organic Growth Engine: Top 23.2% in tier
- + Loan Growth Rate: Top 0.9% in tier
- + AMR Growth Rate: Top 5.1% in tier
- + Net Charge-Off Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 2.40% above tier (higher cost structure)
- - Total Assets: Bottom 4.3% in tier
- - Total Deposits: Bottom 4.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,415
+2.8% YoY+0.7% QoQ
|
-18.1K |
51,500
+0.7% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
Bottom 12.8% in tier |
| Assets |
$760.6M
+10.4% YoY+0.1% QoQ
|
$-105.0M |
$865.6M
+0.9% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.4% in tier |
| Loans |
$510.2M
+23.1% YoY+1.3% QoQ
|
$-85.1M |
$595.3M
+1.6% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$608.5M
+12.3% YoY+0.7% QoQ
|
$-133.7M |
$742.2M
+0.6% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.4% in tier |
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| ROA |
0.3%
-248.2% YoY
|
-0.5% |
0.8%
+45.0% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
2.7%
+16.5% YoY+15.7% QoQ
|
-0.7% |
3.5%
+6.1% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 11.1% in tier |
| Efficiency Ratio |
77.9%
-22.3% YoY-15.0% QoQ
|
+2.4% |
75.5%
-3.4% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
0.4%
-71.4% YoY+3.1% QoQ
|
-0.3 |
0.7%
-0.1% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
36% |
| Loan To Share |
83.8%
+9.6% YoY+0.5% QoQ
|
+3.2% |
80.6%
+0.7% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
48% |
| AMR |
$33,477
+13.8% YoY+0.2% QoQ
|
+$5K |
$28,908
+0.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration |
30.7%
+31.8% YoY-2.2% QoQ
|
+6.4% | 24.3% | 25.2% | 19.8% | 73% |
| Indirect Auto % |
4.8%
-21.7% YoY+4.2% QoQ
|
-9.0% | 13.8% | 2.3% | 7.7% | 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 (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (0)
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)