BlastPoint's Credit Union Scorecard
GREYLOCK
Charter #24560 · MA
GREYLOCK has 5 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
- + Emerging Performer: Top 42.9% in tier
- + ROA 0.05% above tier average
- + Net Interest Margin 0.14% above tier average
- + Strong member growth: 8.1% YoY
- + Member Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 21.8% in tier
- - Liquidity Strain: Bottom 40.5% in tier
- - Efficiency ratio 3.77% above tier (higher cost structure)
- - Delinquency rate 0.49% above tier average
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Massachusetts.
- Shares and deposits +9.4% year over year ($1.52B in shares and deposits).
- Membership: 114,211 members, +8.1% vs a year ago.
- Delinquency rate 1.35%.
- Return on assets 0.87%.
- Efficiency ratio 76.79% vs a 73.02% peer average.
- Loan-to-share ratio 91.46% vs a 84.71% 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 |
114,211
+8.1% YoY+7.6% QoQ
|
+17.3K |
96,861
-1.9% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$1.8B
+9.4% YoY+4.7% QoQ
|
+$64.8M |
$1.7B
+0.4% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$1.4B
+6.2% YoY+4.6% QoQ
|
+$158.9M |
$1.2B
+0.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$1.5B
+9.4% YoY+4.9% QoQ
|
+$59.8M |
$1.5B
+0.5% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
0.9%
+69.6% YoY+9.5% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
3.6%
+4.7% YoY-0.0% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
57% |
| Efficiency Ratio |
76.8%
-8.1% YoY-0.4% QoQ
|
+3.8% |
73.0%
-2.7% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
65% |
| Delinquency Rate |
1.3%
-1.7% YoY+17.6% QoQ
|
+0.5 |
0.9%
+7.3% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
83% |
| Loan To Share |
91.5%
-2.9% YoY-0.3% QoQ
|
+6.8% |
84.7%
+0.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$25,534
-0.2% YoY-2.6% QoQ
|
$-4K |
$29,575
+1.5% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
33% |
| CD Concentration |
27.7%
-1.9% YoY-0.5% QoQ
|
-1.4% | 29.1% | 25.4% | 20.0% | 45% |
| Indirect Auto % |
16.8%
-8.8% YoY-4.1% QoQ
|
-1.2% | 18.1% | 2.4% | 7.7% | 53% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)