BlastPoint's Credit Union Scorecard
GREATER SPRINGFIELD
Charter #67902 · MA
GREATER SPRINGFIELD has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.93% above tier average
- + Efficiency Ratio: Top 3.4% in tier
- + Net Worth Ratio: Top 3.6% in tier
- + Net Charge-Off Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Deposit Growth Rate: Bottom 3.9% in tier
- - First Mortgage Concentration (%): Bottom 4.9% in tier
- - Asset Growth Rate: Bottom 7.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 32 that size in Massachusetts.
- Shares and deposits -4.4% year over year ($188M in shares and deposits).
- Membership: 10,961 members, -1.9% vs a year ago.
- Delinquency rate 0.45%.
- Return on assets 1.80%.
- Efficiency ratio 53.94% vs a 76.73% peer average.
- Loan-to-share ratio 61.56% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,961
-1.9% YoY+0.1% QoQ
|
-4.2K |
15,168
-2.6% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
37% |
| Assets |
$230.3M
-2.4% YoY+1.1% QoQ
|
$-1.7M |
$232.0M
+0.7% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
59% |
| Loans |
$116.0M
+6.3% YoY+3.5% QoQ
|
$-30.2M |
$146.3M
+0.2% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$188.5M
-4.4% YoY+1.2% QoQ
|
$-12.2M |
$200.7M
+0.2% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
56% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.8%
+64.6% YoY-5.8% QoQ
|
+0.9% |
0.9%
+12.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
Top 6.3% in tier |
| NIM |
3.3%
+29.1% YoY-0.8% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
53.9%
-16.0% YoY+2.6% QoQ
|
-22.8% |
76.7%
-0.8% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Top 3.4% in tier |
| Delinquency Rate |
0.4%
-15.3% YoY
|
-0.4 |
0.9%
+6.6% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
61.6%
+11.2% YoY+2.2% QoQ
|
-10.0% |
71.5%
-0.3% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$27,781
+1.3% YoY+2.0% QoQ
|
+$3K |
$25,107
+3.2% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
73% |
| CD Concentration |
22.0%
-16.8% YoY+22.9% QoQ
|
-2.5% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)