BlastPoint's Credit Union Scorecard
GREYLOCK
Charter #24560 · MA
GREYLOCK has 4 strengths but faces 10 concerns
How does the industry compare?
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How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 26.8% in tier
- + Organic Growth Engine: Top 26.9% in tier
- + Emerging Performer: Top 93.0% 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
- - Credit Risk Growth: Bottom 15.1% in tier
- - Efficiency Drag: Bottom 24.3% in tier
- - Liquidity Strain: Bottom 27.3% 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
|
63% |
| 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
|
57% |
| 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
|
65% |
| 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
|
56% |
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| 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
|
49% |
| 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
|
62% |
| 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
|
78% |
| 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
|
73% |
| 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
|
40% |
| CD Concentration |
28.5%
+2.5% YoY+1.0% QoQ
|
-0.4% |
29.0%
+0.7% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
51% |
| Indirect Auto % |
18.0%
-4.6% YoY-2.3% QoQ
|
-0.7% |
18.8%
-3.0% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
54% |
Signature Analysis
Strengths (3)
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.
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 (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
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.
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)