BlastPoint's Credit Union Scorecard
SPRINGFIELD STREET RAILWAY EMP.
Charter #67965 · MA
2596 CUs in <100M nationally
68 in MA
SPRINGFIELD STREET RAILWAY EMP. has 6 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.06% above tier average
- + Net Interest Margin 2.98% 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
- + Net Worth Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 11.94% above tier (higher cost structure)
- - Delinquency rate 5.42% above tier average
- - Member decline: -8.8% YoY
- - Total Members: Bottom 3.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.7% in tier
- - Total Deposits: Bottom 6.0% in tier
- - Fee Income Per Member: Bottom 6.2% in tier
- - Total Loans: Bottom 6.2% in tier
- - Total Assets: Bottom 6.7% in tier
- - Member Growth Rate: Bottom 7.3% in tier
- - Deposit Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
166
-8.8% YoY-3.5% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
Bottom 3.5% in tier |
| Assets |
$1.2M
-4.6% YoY-1.6% QoQ
|
$-28.7M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.6% in tier |
| Loans |
$375,586
-2.2% YoY+1.5% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.2% in tier |
| Deposits |
$823,237
-8.1% YoY-1.9% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.0% in tier |
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
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.7%
+653.3% YoY-39.9% QoQ
|
+2.1% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Top 2.9% in tier |
| NIM |
6.9%
-5.3% YoY+0.9% QoQ
|
+3.0% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 1.6% in tier |
| Efficiency Ratio |
93.3%
+0.6% YoY+11.7% QoQ
|
+11.9% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate |
6.9%
+96.8% YoY+16.6% QoQ
|
+5.4 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Top 3.7% in tier |
| Loan To Share |
45.6%
+6.5% YoY+3.4% QoQ
|
-15.6% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$7,222
+2.7% YoY+2.7% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration | 0.0% | -24.4% |
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 (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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
42
Net Interest Margin (NIM)
profitability
Value:
6.91%
Peer Avg: -
#42 of 2596
Top 1.6% in <100M tier
74
Return on Assets (ROA)
profitability
Value:
2.74%
Peer Avg: -
#74 of 2596
Top 2.8% in <100M tier
154
Net Worth Ratio
risk
Value:
30.01%
Peer Avg: -
#154 of 2596
Top 5.9% in <100M tier
Top Weaknesses (14 metrics)
2503
Total Members
engagement
Value:
166
Peer Avg: -
#2503 of 2596
Bottom 3.6% in <100M tier
2500
Total Delinquency Rate (60+ days)
risk
Value:
6.93%
Peer Avg: -
#2500 of 2596
Bottom 3.7% in <100M tier
2441
Total Deposits
balance_sheet
Value:
$823,237
Peer Avg: -
#2441 of 2596
Bottom 6.0% in <100M tier
2437
Fee Income Per Member
profitability
Value:
$0.40
Peer Avg: -
#2437 of 2596
Bottom 6.2% in <100M tier
2435
Total Loans
balance_sheet
Value:
$375,586
Peer Avg: -
#2435 of 2596
Bottom 6.2% in <100M tier
2424
Total Assets
balance_sheet
Value:
$1.17M
Peer Avg: -
#2424 of 2596
Bottom 6.7% in <100M tier
2407
Member Growth Rate
growth
Value:
-8.79%
Peer Avg: -
#2407 of 2596
Bottom 7.3% in <100M tier
2344
Deposit Growth Rate
growth
Value:
-8.14%
Peer Avg: -
#2344 of 2596
Bottom 9.7% in <100M tier
2304
Members Per Employee (MPE)
engagement
Value:
166.000
Peer Avg: -
#2304 of 2596
Bottom 11.3% in <100M tier
2226
Net Charge-Off Rate
risk
Value:
0.99%
Peer Avg: -
#2226 of 2596
Bottom 14.3% in <100M tier