BlastPoint's Credit Union Scorecard

GREATER SPRINGFIELD

Charter #67902 · MA

1069 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 28.1% in tier
+ Emerging Performer: Top 57.5% in tier
+ Organic Growth Leader: Top 67.1% in tier
+ ROA 0.57% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 3.4% in tier
+ Net Worth Ratio: Top 3.9% in tier
+ Efficiency Ratio: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 16.2% in tier
- Liquidity Overhang: Bottom 24.6% in tier
- Shrinking Wallet Share: Bottom 32.4% in tier
- Deposit Growth Rate: Bottom 2.9% in tier
- AMR Growth Rate: Bottom 5.2% in tier
- First Mortgage Concentration (%): Bottom 5.4% in tier
- Asset Growth Rate: Bottom 6.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	10,961 +1.7% YoY-1.0% QoQ	-4.5K	15,437 -2.9% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	36%
Assets	$226.8M -2.8% YoY-1.5% QoQ	$-5.0M	$231.9M +1.3% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	58%
Loans	$111.5M +2.5% YoY+1.0% QoQ	$-35.9M	$147.3M -0.1% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	43%
Deposits	$186.3M -5.3% YoY-2.4% QoQ	$-14.5M	$200.8M +0.8% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	55%

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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	1.3% +26.4% YoY+13.1% QoQ	+0.6%	0.8% +18.2% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	Top 14.9% in tier
NIM	2.9% +37.6% YoY+6.6% QoQ	-0.7%	3.6% +6.7% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	Bottom 14.9% in tier
Efficiency Ratio	61.9% -0.5% YoY-3.2% QoQ	-15.1%	77.0% -3.1% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	Bottom 9.3% in tier
Delinquency Rate	0.6% -40.3% YoY+37.4% QoQ	-0.3	0.9% +4.2% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	38%
Loan To Share	59.8% +8.2% YoY+3.5% QoQ	-12.4%	72.2% -1.1% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	23%
AMR	$27,165 -4.2% YoY-0.1% QoQ	+$2K	$24,676 +3.4% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	72%
CD Concentration	18.8% -32.4% YoY-15.2% QoQ	-5.7%	24.4%	25.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#168 of 595 • Top 28.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.73%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.33%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#105 of 182 • Top 57.5% 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: 1.33%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.73%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Organic Growth Leader

growth

#286 of 426 • Top 67.1% in tier

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

Why This Signature

Member Growth (YoY): 1.73%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (3)

Deposit Outflow

decline

#12 of 69 • Bottom 16.2% 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): -5.27%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 1.73%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Liquidity Overhang

risk

#34 of 135 • Bottom 24.6% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.13%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 59.83%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#68 of 208 • Bottom 32.4% in tier

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

Why This Signature

AMR Growth (YoY): -4.17%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: -

#37 of 1069 Top 3.4% in 100M-500M tier

Net Worth Ratio

risk

Value: 19.13%

Peer Median: -

#43 of 1069 Top 3.9% in 100M-500M tier

100

Efficiency Ratio

profitability

Value: 61.91%

Peer Median: -

#100 of 1069 Top 9.3% in 100M-500M tier

159

Return on Assets (ROA)

profitability

Value: 1.33%

Peer Median: -

#159 of 1069 Top 14.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1039

Deposit Growth Rate

growth

Value: -5.27%

Peer Median: -

#1039 of 1069 Bottom 2.9% in 100M-500M tier

1014

AMR Growth Rate

growth

Value: -4.17%

Peer Median: -

#1014 of 1069 Bottom 5.2% in 100M-500M tier

1012

First Mortgage Concentration (%)

balance_sheet

Value: 61.07%

Peer Median: -

#1012 of 1069 Bottom 5.4% in 100M-500M tier

1004

Asset Growth Rate

growth

Value: -2.83%

Peer Median: -

#1004 of 1069 Bottom 6.2% in 100M-500M tier

910

Net Interest Margin (NIM)

profitability

Value: 2.91%

Peer Median: -

#910 of 1069 Bottom 15.0% in 100M-500M tier

827

Loan-to-Share Ratio

balance_sheet

Value: 59.83%

Peer Median: -

#827 of 1069 Bottom 22.7% in 100M-500M tier