BlastPoint's Credit Union Scorecard
HOLYOKE
Charter #67875 · MA
HOLYOKE has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 15.3% in tier
- + Organic Growth Engine: Top 46.1% in tier
- + Strong member growth: 5.9% YoY
- + Members Per Employee (MPE): Top 4.3% in tier
- + Member Growth Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 87.2% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 5.66% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,292
+5.9% YoY+1.0% QoQ
|
+5.9K |
15,437
-2.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$297.2M
+2.3% YoY+2.0% QoQ
|
+$65.3M |
$231.9M
+1.3% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$190.8M
+9.9% YoY+1.5% QoQ
|
+$43.5M |
$147.3M
-0.1% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$238.4M
+6.2% YoY+1.8% QoQ
|
+$37.6M |
$200.8M
+0.8% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.4%
+122.5% YoY-11.9% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
2.9%
+30.3% YoY+1.5% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.8% in tier |
| Efficiency Ratio |
82.7%
-10.3% YoY+1.2% QoQ
|
+5.7% |
77.0%
-3.1% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.4%
-54.4% YoY-23.7% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
80.1%
+3.4% YoY-0.3% QoQ
|
+7.8% |
72.2%
-1.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$20,157
+1.8% YoY+0.7% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
16.7%
-12.7% YoY-5.4% QoQ
|
-7.8% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % |
1.2%
+18.8% YoY+0.4% QoQ
|
-12.6% | 13.8% | 2.4% | 7.8% | 50% |
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 (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)