HOLYOKE

Charter #67875 | MA

100M-500M (1077 CUs) Micro
32 100M-500M in MA

HOLYOKE has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.9% in tier
  • + Relationship Depth Leader: Top 5.0% in tier
  • + AMR Growth Rate: Top 1.9% in tier
  • + Members Per Employee (MPE): Top 4.5% in tier
  • + Loan Growth Rate: Top 8.1% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 3.0% in tier
  • - Stagnation Risk: Bottom 11.7% in tier
  • - Efficiency Drag: Bottom 28.5% in tier
  • - Flatlined Growth: Bottom 51.5% in tier
  • - ROA 0.34% below tier average
  • - Efficiency ratio 4.45% above tier (higher cost structure)
  • - Member decline: -8.3% YoY
  • - Member Growth Rate: Bottom 4.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 21,077
-8.3% YoY+1.6% QoQ
 +5.4K 15,628
-3.4% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 Top 22.0% in tier
Assets $291.3M
+1.4% YoY+0.9% QoQ
 +$60.0M $231.3M
-0.0% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 72nd in tier
Loans $187.9M
+13.9% YoY+3.8% QoQ
 +$40.1M $147.8M
-1.4% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 72nd in tier
Deposits $234.1M
+7.1% YoY+2.4% QoQ
 +$33.8M $200.3M
-0.0% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 67th in tier
ROA 0.4%
+196.4% YoY+10.5% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 28th in tier
NIM 2.8%
+33.1% YoY+3.6% QoQ
 -0.7% 3.6%
+6.9% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 13.4% in tier
Efficiency Ratio 81.7%
-12.3% YoY-2.3% QoQ
 +4.4% 77.3%
-3.0% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 66th in tier
Delinquency Rate 0.5%
-16.4% YoY+10.6% QoQ
 -0.3 0.9%
+7.6% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 38th in tier
Loan To Share 80.3%
+6.3% YoY+1.4% QoQ
 +7.6% 72.7%
-1.5% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 64th in tier
AMR $20,025
+20.0% YoY+1.4% QoQ
 $-4K $24,363
+2.9% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 35th in tier
CD Concentration 17.6%
-8.1% YoY-2.8% QoQ
 -6.8% 24.4%
+4.2% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 1.2%
-3.8% YoY-32.1% QoQ
 -12.8% 14.0%
-5.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#25 of 1006 • Top 0.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 20.02%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#139 of 1006 • Top 5.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 20.02%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (4)

Membership Headwinds

decline
#51 of 550 • Bottom 3.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -8.30%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#193 of 550 • Bottom 11.7% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.45%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -8.30%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 17.61%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk
#503 of 521 • Bottom 28.5% in tier

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

Why This Signature
Efficiency Ratio: 81.72%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.30% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -8.30%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Flatlined Growth

risk
#54 of 58 • Bottom 51.5% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $291.29M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.35%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.45%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 1077 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (5 metrics)

21
AMR Growth Rate
growth
Value: 20.02%
Peer Avg: 3.64%
#21 of 1077 Top 1.9% in 100M-500M tier
49
Members Per Employee (MPE)
engagement
Value: 526.925
Peer Avg: 332.881
#49 of 1077 Top 4.5% in 100M-500M tier
88
Loan Growth Rate
growth
Value: 13.92%
Peer Avg: 3.45%
#88 of 1077 Top 8.1% in 100M-500M tier
237
Total Members
engagement
Value: 21,077
Peer Avg: 15,628
#237 of 1077 Top 21.9% in 100M-500M tier
254
Deposit Growth Rate
growth
Value: 7.13%
Peer Avg: 4.69%
#254 of 1077 Top 23.5% in 100M-500M tier

Top Weaknesses (3 metrics)

1029
Member Growth Rate
growth
Value: -8.30%
Peer Avg: 0.72%
#1029 of 1077 Bottom 4.5% in 100M-500M tier
935
Net Worth Ratio
risk
Value: 9.02%
Peer Avg: 12.15%
#935 of 1077 Bottom 13.3% in 100M-500M tier
933
Net Interest Margin (NIM)
profitability
Value: 2.84%
Peer Avg: 3.58%
#933 of 1077 Bottom 13.5% in 100M-500M tier