BlastPoint's Credit Union Scorecard
POLISH NATIONAL
Charter #66597 · MA
POLISH NATIONAL has 8 strengths but faces 9 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 15.6% in tier
- + Organic Growth Engine: Top 23.0% in tier
- + Credit Quality Leader: Top 56.3% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.9% in tier
- + Loan-to-Member Ratio (LMR): Top 4.5% in tier
- + Loan-to-Share Ratio: Top 5.4% in tier
- + Average Member Relationship (AMR): Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.2% in tier
- - Liquidity Strain: Bottom 6.2% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 14.16% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 2.7% in tier
- - Total Deposits: Bottom 3.6% in tier
- - First Mortgage Concentration (%): Bottom 4.5% in tier
- - Total Assets: Bottom 4.5% in tier
- - Total Members: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,711
+2.6% YoY+0.1% QoQ
|
-23.4K |
52,114
-2.1% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 6.2% in tier |
| Assets |
$761.1M
+7.3% YoY+0.5% QoQ
|
$-97.9M |
$859.0M
+0.0% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.6% in tier |
| Loans |
$624.9M
+5.1% YoY+1.5% QoQ
|
+$21.6M |
$603.4M
+1.0% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$597.2M
+2.0% YoY-0.4% QoQ
|
$-137.0M |
$734.2M
+0.9% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.7% in tier |
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| ROA |
0.4%
-3.2% YoY+3.4% QoQ
|
-0.3% |
0.7%
+27.6% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
2.8%
+3.6% YoY+2.8% QoQ
|
-0.6% |
3.4%
+9.6% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
88.7%
+0.6% YoY-0.1% QoQ
|
+14.2% |
74.5%
-3.2% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 8.0% in tier |
| Delinquency Rate |
0.2%
-19.3% YoY-3.6% QoQ
|
-0.6 |
0.8%
+5.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Bottom 10.7% in tier |
| Loan To Share |
104.6%
+3.1% YoY+1.9% QoQ
|
+22.0% |
82.7%
+0.1% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Top 6.2% in tier |
| AMR |
$42,566
+0.9% YoY+0.5% QoQ
|
+$14K |
$28,651
+2.5% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 8.0% in tier |
| CD Concentration |
25.5%
+4.8% YoY-0.1% QoQ
|
+1.1% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
54% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-14.0% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
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.
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)