BlastPoint's Credit Union Scorecard

HOLYOKE

Charter #67875 · MA

100M-500M

1070 CUs in 100M-500M nationally 30 in MA

HOLYOKE has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Strong member growth: 5.8% YoY
+ Members Per Employee (MPE): Top 3.3% in tier
+ Member Growth Rate: Top 7.9% in tier
+ Loan Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.31% below tier average
- Efficiency ratio 4.95% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	21,601 +5.8% YoY+1.5% QoQ	+6.5K	15,145 -2.5% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	81%
Assets	$299.4M +1.3% YoY+0.7% QoQ	+$67.7M	$231.7M +0.8% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	73%
Loans	$197.8M +13.3% YoY+3.7% QoQ	+$53.7M	$144.1M +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	76%
Deposits	$243.1M +4.3% YoY+2.0% QoQ	+$42.0M	$201.1M +0.4% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	69%

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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	0.4% +12.3% YoY+6.6% QoQ	-0.3%	0.7% +5.1% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	31%
NIM	3.2% +20.4% YoY+10.3% QoQ	-0.5%	3.6% +4.6% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	83.0% -1.6% YoY+0.4% QoQ	+4.9%	78.0% -1.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	66%
Delinquency Rate	0.4% +0.7% YoY-8.2% QoQ	-0.4	0.8% +7.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	27%
Loan To Share	81.4% +8.6% YoY+1.7% QoQ	+11.0%	70.4% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	71%
AMR	$20,412 +2.2% YoY+1.3% QoQ	$-5K	$24,918 +2.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	34%
CD Concentration	16.6% -12.8% YoY-0.4% QoQ	-7.7%	24.3%	25.2%	19.8%	50%
Indirect Auto %	1.2% -28.9% YoY-5.1% QoQ	-12.6%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#60 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.84%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 1.15%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#178 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.84%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.42%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 1.15%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#290 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 13.33%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

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

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

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

Efficiency Drag

risk

#412 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 82.97%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.05% points

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

worse than tier avg

Member Growth (YoY): 5.84%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#722 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.00% points

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

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY

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 1070 peers in tier

Top Strengths (5 metrics)

Members Per Employee (MPE)

engagement

Value: 553.872

Peer Median: 309.176

#36 of 1070 Top 3.3% in 100M-500M tier

Member Growth Rate

growth

Value: 5.84%

Peer Median: -0.06%

#85 of 1070 Top 7.9% in 100M-500M tier

Loan Growth Rate

growth

Value: 13.33%

Peer Median: 2.93%

#96 of 1070 Top 8.9% in 100M-500M tier

199

Total Members

engagement

Value: 21,601

Peer Median: 13,200

#199 of 1070 Top 18.5% in 100M-500M tier

262

Total Loans

balance_sheet

Value: $197.83M

Peer Median: $121.41M

#262 of 1070 Top 24.4% in 100M-500M tier

Top Weaknesses (2 metrics)

935

Net Worth Ratio

risk

Value: 8.94%

Peer Median: 11.45%

#935 of 1070 Bottom 12.7% in 100M-500M tier

822

Net Interest Margin (NIM)

profitability

Value: 3.18%

Peer Median: 3.62%

#822 of 1070 Bottom 23.3% in 100M-500M tier