GREYLOCK
Charter #24560 | MA
GREYLOCK has 4 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 16.8% in tier
- + Organic Growth Leader: Top 26.8% in tier
- + Organic Growth Engine: Top 26.9% in tier
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.2% in tier
- - Growth-at-Risk: Bottom 15.1% in tier
- - Efficiency Drag: Bottom 24.3% in tier
- - Liquidity Strain: Bottom 27.3% in tier
- - Liquidity Overhang: Bottom 30.8% in tier
- - Indirect Auto Dependency: Bottom 31.2% in tier
- - ROA 0.05% below tier average
- - Efficiency ratio 6.87% above tier (higher cost structure)
- - Delinquency rate 0.74% above tier average
- - First Mortgage Concentration (%): Bottom 9.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
106,182
+1.8% YoY+0.5% QoQ
|
+7.5K |
98,678
-1.9% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
63rd in tier |
| Assets |
$1.7B
+1.1% YoY+1.1% QoQ
|
$-66.7M |
$1.7B
+0.5% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
57th in tier |
| Loans |
$1.3B
+1.1% YoY+1.4% QoQ
|
+$97.1M |
$1.2B
+0.5% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
65th in tier |
| Deposits |
$1.4B
+3.1% YoY+0.8% QoQ
|
$-50.8M |
$1.5B
+1.3% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
56th in tier |
| ROA |
0.7%
+137.1% YoY+27.0% QoQ
|
-0.1% |
0.7%
+13.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
49th in tier |
| NIM |
3.5%
+16.0% YoY+1.6% QoQ
|
+0.2% |
3.3%
+9.3% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
62nd in tier |
| Efficiency Ratio |
80.8%
-9.2% YoY-3.3% QoQ
|
+6.9% |
74.0%
-10.9% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 22.0% in tier |
| Delinquency Rate |
1.6%
+57.6% YoY+14.2% QoQ
|
+0.7 |
0.8%
+6.1% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Top 9.9% in tier |
| Loan To Share |
94.8%
-1.9% YoY+0.6% QoQ
|
+9.6% |
85.2%
-0.8% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
73rd in tier |
| AMR |
$25,745
+0.4% YoY+0.6% QoQ
|
$-3K |
$29,172
+2.8% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
40th in tier |
| CD Concentration |
28.5%
+2.5% YoY+1.0% QoQ
|
-0.5% |
29.0%
+0.8% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
51st in tier |
| Indirect Auto % |
18.0%
-4.6% YoY-2.3% QoQ
|
-0.8% |
18.8%
-2.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
54th in tier |
Signature Analysis
Strengths (3)
Emerging Performer
growthProfitable credit union with positive returns. May represent growth potential worth exploring.
Organic Growth Leader
growthAttracting members without relying on indirect channels. Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Growth-at-Risk
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)