BlastPoint's Credit Union Scorecard

HOMEFIELD

Charter #68057 · MA

1069 CUs in 100M-500M nationally 32 in MA

HOMEFIELD has 5 strengths but faces 11 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

+ Relationship Depth Leader: Top 84.6% in tier
+ Loan-to-Share Ratio: Top 3.6% in tier
+ Loan-to-Member Ratio (LMR): Top 3.6% in tier
+ Average Member Relationship (AMR): Top 5.7% in tier
+ Net Charge-Off Rate: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 14.5% in tier
- Efficiency Drag: Bottom 25.0% in tier
- Membership Headwinds: Bottom 36.9% in tier
- Institutional Decline: Bottom 42.3% in tier
- Liquidity Strain: Bottom 56.0% in tier
- ROA 0.53% below tier average
- Efficiency ratio 15.30% above tier (higher cost structure)
- Delinquency rate 0.24% above tier average
- Member decline: -3.8% YoY
- Asset Growth Rate: Bottom 5.6% in tier
- First Mortgage Concentration (%): Bottom 9.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	6,908 -3.8% YoY-2.4% QoQ	-8.5K	15,437 -2.9% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	Bottom 10.3% in tier
Assets	$171.9M -3.0% YoY-0.8% QoQ	$-59.9M	$231.9M +1.3% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	39%
Loans	$138.9M -5.0% YoY-0.8% QoQ	$-8.4M	$147.3M -0.1% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	57%
Deposits	$141.2M +2.3% YoY-1.2% QoQ	$-59.6M	$200.8M +0.8% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	36%

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

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% +356.6% YoY+0.7% QoQ	-0.5%	0.8% +18.2% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	Bottom 14.0% in tier
NIM	2.9% +10.2% YoY+2.1% QoQ	-0.8%	3.6% +6.7% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	Bottom 12.5% in tier
Efficiency Ratio	92.3% -1.5% YoY+0.3% QoQ	+15.3%	77.0% -3.1% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	Top 6.4% in tier
Delinquency Rate	1.1% -4.6% YoY+70.2% QoQ	+0.2	0.9% +4.2% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	76%
Loan To Share	98.4% -7.2% YoY+0.4% QoQ	+26.1%	72.2% -1.1% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	Top 3.7% in tier
AMR	$40,552 +2.4% YoY+1.5% QoQ	+$16K	$24,676 +3.4% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	Top 5.8% in tier
CD Concentration	27.7% +15.9% YoY+2.4% QoQ	+3.2%	24.4%	25.0%	19.8%	50%
Indirect Auto %	1.1% -52.9% YoY-20.6% QoQ	-12.7%	13.8%	2.4%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#227 of 268 • Top 84.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.37%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $4.2K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (5)

Stagnation Risk

risk

#81 of 554 • Bottom 14.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.76%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.04%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.13%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#135 of 538 • Bottom 25.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 92.32%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.18% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -3.76%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Membership Headwinds

decline

#205 of 554 • Bottom 36.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.76%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#102 of 240 • Bottom 42.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $171.95M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -3.76%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.04%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Liquidity Strain

risk

#128 of 228 • Bottom 56.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 98.36%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -5.04%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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 (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 98.36%

Peer Median: -

#40 of 1069 Top 3.6% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,108

Peer Median: -

#40 of 1069 Top 3.6% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $40,552

Peer Median: -

#62 of 1069 Top 5.7% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: -

#89 of 1069 Top 8.2% in 100M-500M tier

Top Weaknesses (11 metrics)

1010

Asset Growth Rate

growth

Value: -3.02%

Peer Median: -

#1010 of 1069 Bottom 5.6% in 100M-500M tier

1002

Efficiency Ratio

profitability

Value: 92.32%

Peer Median: -

#1002 of 1069 Bottom 6.4% in 100M-500M tier

965

First Mortgage Concentration (%)

balance_sheet

Value: 54.29%

Peer Median: -

#965 of 1069 Bottom 9.8% in 100M-500M tier

959

Total Members

engagement

Value: 6,908

Peer Median: -

#959 of 1069 Bottom 10.4% in 100M-500M tier

949

Loan Growth Rate

growth

Value: -5.04%

Peer Median: -

#949 of 1069 Bottom 11.3% in 100M-500M tier

944

Members Per Employee (MPE)

engagement

Value: 230.267

Peer Median: -

#944 of 1069 Bottom 11.8% in 100M-500M tier

935

Net Interest Margin (NIM)

profitability

Value: 2.85%

Peer Median: -

#935 of 1069 Bottom 12.6% in 100M-500M tier

919

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Median: -

#919 of 1069 Bottom 14.1% in 100M-500M tier

899

Member Growth Rate

growth

Value: -3.76%

Peer Median: -

#899 of 1069 Bottom 16.0% in 100M-500M tier

827

Fee Income Per Member

profitability

Value: $116.15

Peer Median: -

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