GREATER SPRINGFIELD

Charter #67902 | MA

100M-500M (1077 CUs) Micro
32 100M-500M in MA

GREATER SPRINGFIELD has 7 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 6.8% in tier
  • + Organic Growth Engine: Top 12.0% in tier
  • + Organic Growth Leader: Top 22.7% 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

  • - Liquidity Overhang: Bottom 2.3% in tier
  • - Deposit Outflow: Bottom 5.8% in tier
  • - Shrinking Wallet Share: Bottom 10.6% in tier
  • - Cost Spiral: Bottom 18.5% 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
 36th in tier
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
 59th in tier
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
 42nd in tier
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
 57th in tier
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
 Top 23.0% in tier
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
 28th in tier
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
 Bottom 18.4% in tier
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
 74th in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#128 of 627 • Top 6.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

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
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

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: 13.96%, 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 without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.56%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (4)

Liquidity Overhang

risk
#37 of 552 • Bottom 2.3% 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
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Deposit Outflow

decline
#35 of 114 • Bottom 5.8% in tier

Members staying but deposits leaving. They're losing 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
Total Assets: $230.18M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank improving

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 now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

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): -
(Tier: -, National: -)
Total Assets: $230.18M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 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)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
48
Net Charge-Off Rate
risk
Value: 0.02%
Peer Avg: 0.47%
#48 of 1077 Top 4.4% in 100M-500M tier
51
Net Worth Ratio
risk
Value: 18.42%
Peer Avg: 12.15%
#51 of 1077 Top 4.6% in 100M-500M tier
149
Efficiency Ratio
profitability
Value: 63.97%
Peer Avg: 77.28%
#149 of 1077 Top 13.7% in 100M-500M tier
248
Return on Assets (ROA)
profitability
Value: 1.18%
Peer Avg: 0.79%
#248 of 1077 Top 22.9% in 100M-500M tier
259
Members Per Employee (MPE)
engagement
Value: 381.966
Peer Avg: 332.881
#259 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (6 metrics)

1019
Deposit Growth Rate
growth
Value: -3.43%
Peer Avg: 4.69%
#1019 of 1077 Bottom 5.5% in 100M-500M tier
1009
First Mortgage Concentration (%)
balance_sheet
Value: 59.34%
Peer Avg: 30.43%
#1009 of 1077 Bottom 6.4% in 100M-500M tier
996
AMR Growth Rate
growth
Value: -3.28%
Peer Avg: 3.64%
#996 of 1077 Bottom 7.6% in 100M-500M tier
970
Net Interest Margin (NIM)
profitability
Value: 2.73%
Peer Avg: 3.58%
#970 of 1077 Bottom 10.0% in 100M-500M tier
959
Asset Growth Rate
growth
Value: -1.70%
Peer Avg: 4.70%
#959 of 1077 Bottom 11.0% in 100M-500M tier
879
Loan-to-Share Ratio
balance_sheet
Value: 57.81%
Peer Avg: 72.70%
#879 of 1077 Bottom 18.5% in 100M-500M tier