BlastPoint's Credit Union Scorecard

GREYLOCK

Charter #24560 · MA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 10 in MA

View Mid-Market leaderboard →

GREYLOCK has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 39.2% in tier
+ ROA 0.08% above tier average
+ Net Interest Margin 0.21% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 13.7% in tier
- Liquidity Strain: Bottom 32.6% in tier
- Indirect Auto Dependency: Bottom 63.2% in tier
- Credit Risk Growth: Bottom 69.7% in tier
- Efficiency ratio 2.51% above tier (higher cost structure)
- Delinquency rate 0.39% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	106,155 +1.3% YoY+0.5% QoQ	+10.1K	96,048 -2.7% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	67%
Assets	$1.7B +3.7% YoY+2.2% QoQ	$-10.8M	$1.7B +0.4% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	60%
Loans	$1.3B +2.3% YoY-0.1% QoQ	+$117.6M	$1.2B +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	67%
Deposits	$1.5B +4.1% YoY+2.6% QoQ	$-13.7M	$1.5B +0.5% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	58%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +54.3% YoY-25.6% QoQ	+0.1%	0.7% +27.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	62%
NIM	3.6% +7.5% YoY+2.7% QoQ	+0.2%	3.4% +6.2% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	64%
Efficiency Ratio	77.1% -9.1% YoY+4.2% QoQ	+2.5%	74.6% -3.0% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	60%
Delinquency Rate	1.1% +29.1% YoY-25.1% QoQ	+0.4	0.8% +6.9% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	Bottom 14.4% in tier
Loan To Share	91.7% -1.7% YoY-2.6% QoQ	+8.5%	83.2% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	70%
AMR	$26,219 +2.0% YoY+0.8% QoQ	$-3K	$29,652 +2.3% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	38%
CD Concentration	27.8% +0.4% YoY-2.0% QoQ	-1.0%	28.8%	25.2%	19.8%	46%
Indirect Auto %	17.6% -5.3% YoY+0.4% QoQ	-0.5%	18.1%	2.3%	7.7%	54%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#69 of 79 • Top 39.2% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.80%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.25%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#52 of 225 • Bottom 13.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Credit Risk Growth

risk

#102 of 183 • Bottom 69.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.31%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk

#174 of 198 • Bottom 63.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.67%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 17.55%

(Tier: 18.07%, National: 7.73%)

but better than tier avg

Member Growth (YoY): 1.25%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY

Liquidity Strain

risk

#139 of 148 • Bottom 32.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.70%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 2.31%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (1 metrics)

Net Worth Ratio

risk

Value: 12.98%

Peer Median: 10.85%

#63 of 306 Top 20.3% in 1B-3B tier

Top Weaknesses (2 metrics)

276

First Mortgage Concentration (%)

balance_sheet

Value: 54.44%

Peer Median: 33.05%

#276 of 306 Bottom 10.1% in 1B-3B tier

263

Total Delinquency Rate (60+ days)

risk

Value: 1.15%

Peer Median: 0.63%

#263 of 306 Bottom 14.4% in 1B-3B tier