BlastPoint's Credit Union Scorecard
HOMEFIELD
Charter #68057 · MA
HOMEFIELD has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.0% in tier
- + Average Member Relationship (AMR): Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.63% below tier average
- - Efficiency ratio 15.87% above tier (higher cost structure)
- - Member decline: -3.9% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 32 that size in Massachusetts.
- Shares and deposits +2.2% year over year ($146M in shares and deposits).
- Membership: 6,865 members, -3.9% vs a year ago.
- Delinquency rate 0.69%.
- Return on assets 0.23%.
- Efficiency ratio 92.60% vs a 76.73% peer average.
- Loan-to-share ratio 92.34% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,865
-3.9% YoY-0.3% QoQ
|
-8.3K |
15,168
-2.6% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
Bottom 10.8% in tier |
| Assets |
$170.4M
-0.8% YoY-0.1% QoQ
|
$-61.6M |
$232.0M
+0.7% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
38% |
| Loans |
$134.6M
-4.1% YoY+0.6% QoQ
|
$-11.7M |
$146.3M
+0.2% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
55% |
| Deposits |
$145.8M
+2.2% YoY+0.0% QoQ
|
$-54.9M |
$200.7M
+0.2% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
38% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
+10.1% YoY+26.5% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 10.4% in tier |
| NIM |
3.1%
+11.9% YoY+3.3% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
92.6%
+0.3% YoY-2.0% QoQ
|
+15.9% |
76.7%
-0.8% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate |
0.7%
-59.4% YoY-3.5% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
92.3%
-6.2% YoY+0.5% QoQ
|
+20.8% |
71.5%
-0.3% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
Top 10.6% in tier |
| AMR |
$40,840
+3.1% YoY+0.6% QoQ
|
+$16K |
$25,107
+3.2% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
Top 5.9% in tier |
| CD Concentration |
29.8%
+12.7% YoY+10.8% QoQ
|
+5.2% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % |
2.5%
+53.5% YoY+15.2% QoQ
|
-11.1% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)