BlastPoint's Credit Union Scorecard

POLISH NATIONAL

Charter #66597 · MA

Community 750M-1B

117 CUs in 750M-1B nationally 7 in MA

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POLISH NATIONAL has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 60.3% in tier
+ Net Charge-Off Rate: Top 0.1% 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 7.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.9% in tier
- Credit Quality Pressure: Bottom 19.1% in tier
- Efficiency Drag: Bottom 41.1% in tier
- Credit Risk Growth: Bottom 53.0% in tier
- ROA 0.15% below tier average
- Efficiency ratio 5.38% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 2.6% in tier
- First Mortgage Concentration (%): Bottom 4.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	28,647 -0.2% YoY+0.1% QoQ	-22.9K	51,500 +0.7% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	Bottom 6.8% in tier
Assets	$765.4M -0.3% YoY+0.8% QoQ	$-100.2M	$865.6M +0.9% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	Bottom 9.4% in tier
Loans	$627.0M +2.8% YoY+0.8% QoQ	+$31.7M	$595.3M +1.6% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	55%
Deposits	$614.7M +1.7% YoY+1.9% QoQ	$-127.5M	$742.2M +0.6% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	Bottom 4.3% in tier

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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	0.6% +135.9% YoY+65.5% QoQ	-0.2%	0.8% +45.0% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	45%
NIM	3.0% +13.2% YoY+6.2% QoQ	-0.5%	3.5% +6.1% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	24%
Efficiency Ratio	80.9% -12.0% YoY-9.3% QoQ	+5.4%	75.5% -3.4% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	69%
Delinquency Rate	0.4% +276.4% YoY+172.2% QoQ	-0.3	0.7% -0.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	27%
Loan To Share	102.0% +1.1% YoY-1.0% QoQ	+21.4%	80.6% +0.7% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	Top 5.1% in tier
AMR	$43,343 +2.4% YoY+1.2% QoQ	+$14K	$28,908 +0.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 8.5% in tier
CD Concentration	26.1% +1.8% YoY+0.3% QoQ	+1.8%	24.3%	25.2%	19.8%	57%
Indirect Auto %	0.0%	-13.8%	13.8%	2.3%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#216 of 257 • Top 60.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.45%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $5.4K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#48 of 183 • Bottom 1.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 102.00%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 2.76%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#255 of 727 • Bottom 19.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.27% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#282 of 476 • Bottom 53.0% in tier

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

Why This Signature

Loan Growth (YoY): 2.76%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.27% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Efficiency Drag

risk

#415 of 596 • Bottom 41.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.92%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.35% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -0.23%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 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 117 peers in tier

Top Strengths (7 metrics)

Net Charge-Off Rate

risk

Value: -0.05%

Peer Median: 0.47%

#1 of 117 Top 0.1% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.79%

#1 of 117 Top 0.1% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 102.00%

Peer Median: 84.41%

#6 of 117 Top 4.3% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,886

Peer Median: $11,598

#7 of 117 Top 5.1% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $43,343

Peer Median: $26,209

#10 of 117 Top 7.7% in 750M-1B tier

Fee Income Per Member

profitability

Value: $340.58

Peer Median: $187.56

#13 of 117 Top 10.3% in 750M-1B tier

Net Worth Ratio

risk

Value: 13.67%

Peer Median: 10.69%

#19 of 117 Top 15.4% in 750M-1B tier

Top Weaknesses (7 metrics)

115

Members Per Employee (MPE)

engagement

Value: 200.329

Peer Median: 328.468

#115 of 117 Bottom 2.6% in 750M-1B tier

113

First Mortgage Concentration (%)

balance_sheet

Value: 60.66%

Peer Median: 32.60%

#113 of 117 Bottom 4.3% in 750M-1B tier

112

Total Deposits

balance_sheet

Value: $614.68M

Peer Median: $735.65M

#112 of 117 Bottom 5.1% in 750M-1B tier

109

Total Members

engagement

Value: 28,647

Peer Median: 51,712

#109 of 117 Bottom 7.7% in 750M-1B tier

106

Total Assets

balance_sheet

Value: $765.43M

Peer Median: $858.87M

#106 of 117 Bottom 10.3% in 750M-1B tier

102

Asset Growth Rate

growth

Value: -0.33%

Peer Median: 4.88%

#102 of 117 Bottom 13.7% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 2.99%

Peer Median: 3.47%

#89 of 117 Bottom 24.8% in 750M-1B tier