BlastPoint's Credit Union Scorecard
HOLYOKE COMMUNITY
Charter #2818 · CO
HOLYOKE COMMUNITY has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Asset Growth Rate: Top 6.2% in tier
- + Loan-to-Member Ratio (LMR): Top 7.8% in tier
- + Deposit Growth Rate: Top 8.2% in tier
- + Average Member Relationship (AMR): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - First Mortgage Concentration (%): Bottom 1.6% in tier
- - Net Worth Ratio: Bottom 5.5% in tier
- - Share Certificate Concentration (%): Bottom 5.5% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Colorado.
- Shares and deposits +10.1% year over year ($44.6M in shares and deposits).
- Membership: 2,966 members, +0.4% vs a year ago.
- Delinquency rate 0.88%.
- Return on assets 1.10%.
- Efficiency ratio 70.73% vs a 88.77% peer average.
- Loan-to-share ratio 68.63% vs a 58.89% 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 (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,966
+0.4% YoY+0.6% QoQ
|
+380 |
2,585
-1.7% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$49.8M
+10.4% YoY-0.7% QoQ
|
+$19.5M |
$30.3M
+1.5% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
77% |
| Loans |
$30.6M
+6.4% YoY+1.2% QoQ
|
+$15.2M |
$15.5M
-1.7% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
83% |
| Deposits |
$44.6M
+10.1% YoY-2.9% QoQ
|
+$18.8M |
$25.8M
+1.1% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
78% |
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| ROA |
1.1%
+28.1% YoY+11.0% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
3.4%
+1.5% YoY+2.3% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
70.7%
-8.0% YoY-3.6% QoQ
|
-18.0% |
88.8%
-6.9% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
0.9%
-31.0% YoY-4.7% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
57% |
| Loan To Share |
68.6%
-3.4% YoY+4.2% QoQ
|
+9.7% |
58.9%
-3.1% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$25,363
+8.1% YoY-1.9% QoQ
|
+$10K |
$14,963
-6.8% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
Top 8.4% in tier |
| CD Concentration |
45.5%
+7.9% YoY+9.9% QoQ
|
+20.9% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)