BlastPoint's Credit Union Scorecard
GREATER SPRINGFIELD
Charter #67902 · MA
GREATER SPRINGFIELD has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.18% above tier average
- + Total Delinquency Rate (60+ days): Top 0.9% in tier
- + Efficiency Ratio: Top 3.1% in tier
- + Net Worth Ratio: Top 3.5% in tier
- + Net Charge-Off Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Deposit Growth Rate: Bottom 1.6% in tier
- - Asset Growth Rate: Bottom 2.6% in tier
- - First Mortgage Concentration (%): Bottom 5.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,953
-1.5% YoY-0.1% QoQ
|
-4.2K |
15,145
-2.5% YoY
|
33,485
+24.8% YoY
|
33,913
+5.7% YoY
|
37% |
| Assets |
$227.8M
-5.5% YoY+0.4% QoQ
|
$-3.9M |
$231.7M
+0.8% YoY
|
$590.7M
+35.2% YoY
|
$578.3M
+9.0% YoY
|
59% |
| Loans |
$112.1M
+3.4% YoY+0.6% QoQ
|
$-32.0M |
$144.1M
+0.2% YoY
|
$447.1M
+33.6% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$186.2M
-7.5% YoY-0.0% QoQ
|
$-14.9M |
$201.1M
+0.4% YoY
|
$496.3M
+36.0% YoY
|
$494.3M
+9.1% YoY
|
55% |
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| ROA |
1.9%
+104.2% YoY+43.6% QoQ
|
+1.2% |
0.7%
+5.1% YoY
|
0.7%
+27.7% YoY
|
0.4%
-39.2% YoY
|
Top 4.8% in tier |
| NIM |
3.3%
+35.1% YoY+14.1% QoQ
|
-0.3% |
3.6%
+4.6% YoY
|
3.3%
+3.6% YoY
|
3.8%
+4.1% YoY
|
31% |
| Efficiency Ratio |
52.6%
-21.9% YoY-15.1% QoQ
|
-25.4% |
78.0%
-1.7% YoY
|
80.2%
-4.6% YoY
|
84.6%
+2.8% YoY
|
Top 3.1% in tier |
| Delinquency Rate |
0.0%
-98.8% YoY-98.8% QoQ
|
-0.8 |
0.8%
+7.1% YoY
|
0.7%
-9.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.9% in tier |
| Loan To Share |
60.2%
+11.8% YoY+0.6% QoQ
|
-10.2% |
70.4%
-0.4% YoY
|
71.5%
-1.7% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$27,241
-2.1% YoY+0.3% QoQ
|
+$2K |
$24,918
+2.7% YoY
|
$25,479
+3.4% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
17.9%
-32.8% YoY-4.5% QoQ
|
-6.3% | 24.3% | 25.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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)