BlastPoint's Credit Union Scorecard

GREATER SPRINGFIELD

Charter #67902 · MA

1077 CUs in 100M-500M nationally 32 in MA

GREATER SPRINGFIELD has 8 strengths but faces 7 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 Engine: Top 12.0% in tier
+ Organic Growth Leader: Top 22.7% in tier
+ Emerging Performer: Top 75.3% in tier
+ Profitability Leader: Top 85.8% in tier
+ ROA 0.39% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 4.4% in tier
+ Net Worth Ratio: Top 4.6% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 10.6% in tier
- Cost Spiral: Bottom 18.5% in tier
- Liquidity Overhang: Bottom 27.8% in tier
- Deposit Outflow: Bottom 36.2% in tier
- Deposit Growth Rate: Bottom 5.5% in tier
- First Mortgage Concentration (%): Bottom 6.4% in tier
- AMR Growth Rate: Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	11,077 +1.6% YoY-0.8% QoQ	-4.6K	15,628 -3.4% YoY	27,447 +2.6% YoY	33,089 +6.1% YoY	36%
Assets	$230.2M -1.7% YoY-2.4% QoQ	$-1.1M	$231.3M -0.0% YoY	$440.2M +4.2% YoY	$547.7M +7.8% YoY	59%
Loans	$110.3M +1.2% YoY+1.0% QoQ	$-37.5M	$147.8M -1.4% YoY	$341.2M +2.4% YoY	$388.7M +8.6% YoY	42%
Deposits	$190.8M -3.4% YoY-3.2% QoQ	$-9.5M	$200.3M -0.0% YoY	$366.8M +5.5% YoY	$464.6M +9.3% YoY	57%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% +4.1% YoY+7.7% QoQ	+0.4%	0.8% +15.5% YoY	0.7% +17.3% YoY	0.7% +273.4% YoY	77%
NIM	2.7% +31.9% YoY+7.0% QoQ	-0.9%	3.6% +6.9% YoY	3.3% +3.8% YoY	3.7% +5.0% YoY	Bottom 9.9% in tier
Efficiency Ratio	64.0% +9.4% YoY-0.3% QoQ	-13.3%	77.3% -3.0% YoY	80.4% -4.7% YoY	79.1% -3.3% YoY	Bottom 13.7% in tier
Delinquency Rate	0.4% -41.8% YoY-23.0% QoQ	-0.5	0.9% +7.6% YoY	0.9% -6.0% YoY	1.2% -0.9% YoY	28%
Loan To Share	57.8% +4.8% YoY+4.4% QoQ	-14.9%	72.7% -1.5% YoY	74.2% -1.7% YoY	68.0% -1.7% YoY	18%
AMR	$27,187 -3.3% YoY-0.9% QoQ	+$3K	$24,363 +2.9% YoY	$24,707 +3.7% YoY	$19,418 +1.3% YoY	74%
CD Concentration	22.1% -26.2% YoY-16.4% QoQ	-2.3%	24.4% +4.2% YoY	24.8% +8.8% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.6% -15.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#220 of 603 • Top 12.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.56%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.18%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth

#300 of 430 • Top 22.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.56%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Emerging Performer

growth

#144 of 191 • Top 75.3% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.18%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 1.56%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Profitability Leader

growth

#292 of 340 • Top 85.8% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.18%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.05% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (4)

Shrinking Wallet Share

decline

#107 of 244 • Bottom 10.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.28%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Cost Spiral

risk

#46 of 62 • Bottom 18.5% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.49% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 39.60%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Liquidity Overhang

risk

#38 of 134 • Bottom 27.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.42%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 57.81%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | Rank improving

Deposit Outflow

decline

#30 of 81 • Bottom 36.2% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -3.43%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 1.56%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Avg: -

#48 of 1077 Top 4.4% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.42%

Peer Avg: -

#51 of 1077 Top 4.6% in 100M-500M tier

149

Efficiency Ratio

profitability

Value: 63.97%

Peer Avg: -

#149 of 1077 Top 13.7% in 100M-500M tier

248

Return on Assets (ROA)

profitability

Value: 1.18%

Peer Avg: -

#248 of 1077 Top 22.9% in 100M-500M tier

259

Members Per Employee (MPE)

engagement

Value: 381.966

Peer Avg: -

#259 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (6 metrics)

1019

Deposit Growth Rate

growth

Value: -3.43%

Peer Avg: -

#1019 of 1077 Bottom 5.5% in 100M-500M tier

1009

First Mortgage Concentration (%)

balance_sheet

Value: 59.34%

Peer Avg: -

#1009 of 1077 Bottom 6.4% in 100M-500M tier

996

AMR Growth Rate

growth

Value: -3.28%

Peer Avg: -

#996 of 1077 Bottom 7.6% in 100M-500M tier

970

Net Interest Margin (NIM)

profitability

Value: 2.73%

Peer Avg: -

#970 of 1077 Bottom 10.0% in 100M-500M tier

959

Asset Growth Rate

growth

Value: -1.70%

Peer Avg: -

#959 of 1077 Bottom 11.0% in 100M-500M tier

879

Loan-to-Share Ratio

balance_sheet

Value: 57.81%

Peer Avg: -

#879 of 1077 Bottom 18.5% in 100M-500M tier