HOLYOKE COMMUNITY

Charter #2818 | CO

<100M (2596 CUs) Micro
29 <100M in CO

HOLYOKE COMMUNITY has 6 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.25% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Asset Growth Rate: Top 5.2% in tier
  • + Deposit Growth Rate: Top 8.2% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.4% in tier
  • + Average Member Relationship (AMR): Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - First Mortgage Concentration (%): Bottom 1.6% in tier
  • - Net Worth Ratio: Bottom 4.3% in tier
  • - Share Certificate Concentration (%): Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 2,937
-0.1% YoY-0.6% QoQ
 +311 2,625
-2.2% YoY
 38,063
+8.0% YoY
 33,089
+6.1% YoY
 66th in tier
Assets $47.4M
+12.2% YoY+5.1% QoQ
 +$17.5M $29.9M
+1.1% YoY
 $678.0M
+7.3% YoY
 $547.7M
+7.8% YoY
 Top 24.1% in tier
Loans $29.0M
-0.2% YoY+0.9% QoQ
 +$13.3M $15.8M
-2.4% YoY
 $529.4M
+8.0% YoY
 $388.7M
+8.6% YoY
 Top 18.8% in tier
Deposits $42.7M
+10.4% YoY+5.3% QoQ
 +$17.2M $25.5M
+0.4% YoY
 $571.8M
+9.1% YoY
 $464.6M
+9.3% YoY
 Top 22.8% in tier
ROA 0.9%
+212.2% YoY+9.1% QoQ
 +0.3% 0.7%
-731.4% YoY
 0.5%
+8.5% YoY
 0.7%
+273.4% YoY
 58th in tier
NIM 3.4%
+4.2% YoY+0.4% QoQ
 -0.6% 3.9%
+3.8% YoY
 3.6%
+3.7% YoY
 3.7%
+5.0% YoY
 30th in tier
Efficiency Ratio 74.9%
-18.3% YoY-2.6% QoQ
 -6.5% 81.4%
-2.4% YoY
 80.6%
-2.6% YoY
 79.1%
-3.3% YoY
 42nd in tier
Delinquency Rate 0.4%
-75.0% YoY-70.6% QoQ
 -1.1 1.5%
-2.0% YoY
 0.9%
+6.2% YoY
 1.2%
-0.9% YoY
 36th in tier
Loan To Share 68.1%
-9.5% YoY-4.2% QoQ
 +6.8% 61.2%
-3.0% YoY
 72.9%
-3.4% YoY
 68.0%
-1.7% YoY
 60th in tier
AMR $24,418
+6.0% YoY+4.1% QoQ
 +$10K $14,627
-2.7% YoY
 $22,866
+4.1% YoY
 $19,418
+1.3% YoY
 Top 9.0% in tier
CD Concentration 42.3%
+0.2% YoY+0.5% QoQ
 +17.9% 24.4%
+4.2% YoY
 26.3%
+7.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 12.4%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2596 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
135
Asset Growth Rate
growth
Value: 12.20%
Peer Avg: 1.82%
#135 of 2596 Top 5.2% in <100M tier
213
Deposit Growth Rate
growth
Value: 10.38%
Peer Avg: 16.80%
#213 of 2596 Top 8.2% in <100M tier
219
Loan-to-Member Ratio (LMR)
engagement
Value: $9,888
Peer Avg: $5,488
#219 of 2596 Top 8.4% in <100M tier
234
Average Member Relationship (AMR)
engagement
Value: $24,418
Peer Avg: $14,627
#234 of 2596 Top 9.0% in <100M tier
487
Total Loans
balance_sheet
Value: $29.04M
Peer Avg: $15.77M
#487 of 2596 Top 18.7% in <100M tier
560
AMR Growth Rate
growth
Value: 5.97%
Peer Avg: 4.67%
#560 of 2596 Top 21.5% in <100M tier
591
Total Deposits
balance_sheet
Value: $42.67M
Peer Avg: $25.45M
#591 of 2596 Top 22.7% in <100M tier
625
Total Assets
balance_sheet
Value: $47.38M
Peer Avg: $29.86M
#625 of 2596 Top 24.0% in <100M tier
644
Net Charge-Off Rate
risk
Value: 0.01%
Peer Avg: 0.57%
#644 of 2596 Top 24.8% in <100M tier

Top Weaknesses (4 metrics)

2555
First Mortgage Concentration (%)
balance_sheet
Value: 74.53%
Peer Avg: 14.49%
#2555 of 2596 Bottom 1.6% in <100M tier
2486
Net Worth Ratio
risk
Value: 7.89%
Peer Avg: 16.43%
#2486 of 2596 Bottom 4.3% in <100M tier
2445
Share Certificate Concentration (%)
balance_sheet
Value: 42.34%
Peer Avg: 15.37%
#2445 of 2596 Bottom 5.9% in <100M tier
2068
Members Per Employee (MPE)
engagement
Value: 225.923
Peer Avg: 365.701
#2068 of 2596 Bottom 20.4% in <100M tier