BlastPoint's Credit Union Scorecard
SPRINGFIELD STREET RAILWAY EMP.
Charter #67965 · MA
2556 CUs in <100M nationally
67 in MA
SPRINGFIELD STREET RAILWAY EMP. has 4 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 10.05% below tier average
- - Efficiency ratio 83.58% above tier (higher cost structure)
- - Delinquency rate 2.53% above tier average
- - Member decline: -8.9% YoY
- - Net Charge-Off Rate: Bottom 2.0% in tier
- - Total Members: Bottom 3.5% in tier
- - Fee Income Per Member: Bottom 5.4% in tier
- - Total Deposits: Bottom 5.6% in tier
- - Total Loans: Bottom 5.6% in tier
- - Total Assets: Bottom 5.9% in tier
- - Asset Growth Rate: Bottom 6.0% in tier
- - Member Growth Rate: Bottom 6.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
164
-8.9% YoY-1.2% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
Bottom 3.4% in tier |
| Assets |
$1.1M
-9.0% YoY-8.9% QoQ
|
$-29.1M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.9% in tier |
| Loans |
$349,384
-5.4% YoY-7.0% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.6% in tier |
| Deposits |
$791,304
-6.7% YoY-3.9% QoQ
|
$-24.9M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.6% in tier |
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| ROA |
-9.4%
+2358.4% YoY-444.3% QoQ
|
-10.0% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.4% in tier |
| NIM |
7.0%
-10.2% YoY+0.8% QoQ
|
+3.0% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 1.4% in tier |
| Efficiency Ratio |
166.1%
+82.7% YoY+78.0% QoQ
|
+83.6% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 1.6% in tier |
| Delinquency Rate |
4.1%
+16.7% YoY-41.0% QoQ
|
+2.5 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
Top 8.4% in tier |
| Loan To Share |
44.2%
+1.5% YoY-3.2% QoQ
|
-16.5% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$6,955
+2.8% YoY-3.7% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
36
Net Interest Margin (NIM)
profitability
Value:
6.96%
Peer Median: -
#36 of 2556
Top 1.4% in <100M tier
510
Net Worth Ratio
risk
Value:
20.82%
Peer Median: -
#510 of 2556
Top 19.9% in <100M tier
Top Weaknesses (16 metrics)
2545
Return on Assets (ROA)
profitability
Value:
-9.43%
Peer Median: -
#2545 of 2556
Bottom 0.5% in <100M tier
2517
Efficiency Ratio
profitability
Value:
166.14%
Peer Median: -
#2517 of 2556
Bottom 1.6% in <100M tier
2507
Net Charge-Off Rate
risk
Value:
4.71%
Peer Median: -
#2507 of 2556
Bottom 2.0% in <100M tier
2467
Total Members
engagement
Value:
164
Peer Median: -
#2467 of 2556
Bottom 3.5% in <100M tier
2420
Fee Income Per Member
profitability
Value:
$0.41
Peer Median: -
#2420 of 2556
Bottom 5.4% in <100M tier
2414
Total Deposits
balance_sheet
Value:
$791,304
Peer Median: -
#2414 of 2556
Bottom 5.6% in <100M tier
2413
Total Loans
balance_sheet
Value:
$349,384
Peer Median: -
#2413 of 2556
Bottom 5.6% in <100M tier
2405
Total Assets
balance_sheet
Value:
$1.07M
Peer Median: -
#2405 of 2556
Bottom 5.9% in <100M tier
2403
Asset Growth Rate
growth
Value:
-8.95%
Peer Median: -
#2403 of 2556
Bottom 6.0% in <100M tier
2390
Member Growth Rate
growth
Value:
-8.89%
Peer Median: -
#2390 of 2556
Bottom 6.5% in <100M tier