BlastPoint's Credit Union Scorecard
POLISH NATIONAL
Charter #66597 · MA
POLISH NATIONAL has 8 strengths but faces 10 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 39.8% in tier
- + Organic Growth Engine: Top 57.4% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 3.4% in tier
- + Net Charge-Off Rate: Top 3.4% in tier
- + Loan-to-Share Ratio: Top 4.3% in tier
- + Loan-to-Member Ratio (LMR): Top 5.1% in tier
- + Average Member Relationship (AMR): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 10.4% in tier
- - Liquidity Strain: Bottom 19.4% in tier
- - Flatlined Growth: Bottom 85.0% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 14.85% above tier (higher cost structure)
- - Total Deposits: Bottom 3.4% in tier
- - Members Per Employee (MPE): Bottom 3.4% in tier
- - First Mortgage Concentration (%): Bottom 4.3% in tier
- - Total Assets: Bottom 7.7% in tier
- - Total Members: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,606
+3.2% YoY-0.4% QoQ
|
-23.5K |
52,084
-1.6% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 6.8% in tier |
| Assets |
$759.2M
+2.0% YoY-0.2% QoQ
|
$-104.7M |
$863.9M
+0.5% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.8% in tier |
| Loans |
$621.8M
+4.2% YoY-0.5% QoQ
|
+$16.0M |
$605.8M
+1.4% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$603.5M
+3.9% YoY+1.1% QoQ
|
$-133.8M |
$737.3M
+0.1% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.6% in tier |
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| ROA |
0.4%
+2.8% YoY-2.8% QoQ
|
-0.4% |
0.7%
+39.1% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
2.8%
+6.9% YoY+1.4% QoQ
|
-0.6% |
3.4%
+8.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
89.2%
+0.2% YoY+0.6% QoQ
|
+14.8% |
74.3%
-3.6% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 5.1% in tier |
| Delinquency Rate |
0.1%
-9.0% YoY-45.4% QoQ
|
-0.7 |
0.9%
+3.8% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.4% in tier |
| Loan To Share |
103.0%
+0.3% YoY-1.5% QoQ
|
+20.5% |
82.6%
+1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 5.1% in tier |
| AMR |
$42,835
+0.8% YoY+0.6% QoQ
|
+$14K |
$28,873
+2.7% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 9.4% in tier |
| CD Concentration |
26.0%
+2.1% YoY+1.8% QoQ
|
+1.6% | 24.4% | 25.0% | 19.8% | 56% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 2.4% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
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.
Concerns (3)
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.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)