BlastPoint's Credit Union Scorecard
GREYLOCK
Charter #24560 · MA
GREYLOCK has 5 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 56.9% in tier
- + Emerging Performer: Top 68.4% in tier
- + Organic Growth Leader: Top 85.1% in tier
- + ROA 0.39% above tier average
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.2% in tier
- - Credit Risk Growth: Bottom 56.4% in tier
- - Liquidity Strain: Bottom 84.2% in tier
- - Indirect Auto Dependency: Bottom 92.3% in tier
- - Delinquency rate 0.64% above tier average
- - First Mortgage Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
105,601
+1.5% YoY-0.5% QoQ
|
+8.2K |
97,431
-2.4% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$1.7B
+3.7% YoY+1.2% QoQ
|
$-50.6M |
$1.7B
+0.9% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$1.3B
+1.9% YoY+0.2% QoQ
|
+$97.8M |
$1.2B
+0.5% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$1.4B
+3.6% YoY+0.9% QoQ
|
$-43.6M |
$1.5B
+0.9% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
1.1%
+266.7% YoY+64.0% QoQ
|
+0.4% |
0.7%
+20.9% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
3.5%
+13.9% YoY+0.3% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
74.0%
-16.3% YoY-8.4% QoQ
|
-0.0% |
74.1%
-9.5% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
1.5%
+32.5% YoY-2.3% QoQ
|
+0.6 |
0.9%
+6.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Top 12.3% in tier |
| Loan To Share |
94.1%
-1.6% YoY-0.7% QoQ
|
+9.3% |
84.8%
-0.8% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$26,022
+1.3% YoY+1.1% QoQ
|
$-3K |
$29,428
+2.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
28.4%
+0.6% YoY-0.4% QoQ
|
-0.6% | 29.0% | 25.0% | 19.8% | 49% |
| Indirect Auto % |
17.5%
-5.7% YoY-3.0% QoQ
|
-0.8% | 18.3% | 2.4% | 7.8% | 54% |
Signature Analysis
Strengths (3)
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.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
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.
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)