BlastPoint's Credit Union Scorecard

HOMEFIELD

Charter #68057 · MA

100M-500M

1070 CUs in 100M-500M nationally 30 in MA

HOMEFIELD has 4 strengths but faces 8 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 50.0% in tier
+ Loan-to-Member Ratio (LMR): Top 3.8% in tier
+ Average Member Relationship (AMR): Top 5.6% in tier
+ Loan-to-Share Ratio: Top 8.7% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: 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 0.54% below tier average
- Efficiency ratio 16.47% above tier (higher cost structure)
- Member decline: -3.8% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	6,883 -3.8% YoY-0.4% QoQ	-8.3K	15,145 -2.5% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	Bottom 10.7% in tier
Assets	$170.6M -3.0% YoY-0.8% QoQ	$-61.2M	$231.7M +0.8% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	39%
Loans	$133.8M -5.8% YoY-3.7% QoQ	$-10.3M	$144.1M +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	55%
Deposits	$145.7M +3.9% YoY+3.2% QoQ	$-55.4M	$201.1M +0.4% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	39%

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% -19.1% QoQ	-0.5%	0.7% +5.1% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	16%
NIM	3.0% +11.6% YoY+4.1% QoQ	-0.7%	3.6% +4.6% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	Bottom 15.0% in tier
Efficiency Ratio	94.5% -2.9% YoY+2.4% QoQ	+16.5%	78.0% -1.7% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 6.3% in tier
Delinquency Rate	0.7% -17.8% YoY-37.1% QoQ	-0.1	0.8% +7.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	58%
Loan To Share	91.8% -9.3% YoY-6.6% QoQ	+21.4%	70.4% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	Top 8.8% in tier
AMR	$40,615 +3.0% YoY+0.2% QoQ	+$16K	$24,918 +2.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 5.7% in tier
CD Concentration	26.9% +10.4% YoY-2.8% QoQ	+2.6%	24.3%	25.2%	19.8%	50%
Indirect Auto %	2.2% +11.5% YoY+106.6% QoQ	-11.6%	13.8%	2.3%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#194 of 257 • Top 50.0% 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): 2.96%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $4.4K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#87 of 570 • Bottom 50.0% 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): -3.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.81%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.71%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#130 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 94.49%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.16% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -3.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Membership Headwinds

decline

#192 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -3.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#86 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $170.56M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.84%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.81%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Liquidity Strain

risk

#175 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.84%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -5.81%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 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 1070 peers in tier

Top Strengths (4 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $19,444

Peer Median: $9,356

#42 of 1070 Top 3.8% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $40,615

Peer Median: $22,931

#61 of 1070 Top 5.6% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.84%

Peer Median: 71.88%

#94 of 1070 Top 8.7% in 100M-500M tier

136

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: 0.35%

#136 of 1070 Top 12.6% in 100M-500M tier

Top Weaknesses (10 metrics)

1005

Asset Growth Rate

growth

Value: -3.00%

Peer Median: 3.91%

#1005 of 1070 Bottom 6.2% in 100M-500M tier

1004

Efficiency Ratio

profitability

Value: 94.49%

Peer Median: 78.68%

#1004 of 1070 Bottom 6.3% in 100M-500M tier

989

Members Per Employee (MPE)

engagement

Value: 215.094

Peer Median: 309.176

#989 of 1070 Bottom 7.7% in 100M-500M tier

984

Loan Growth Rate

growth

Value: -5.81%

Peer Median: 2.93%

#984 of 1070 Bottom 8.1% in 100M-500M tier

975

First Mortgage Concentration (%)

balance_sheet

Value: 55.85%

Peer Median: 29.47%

#975 of 1070 Bottom 9.0% in 100M-500M tier

956

Total Members

engagement

Value: 6,883

Peer Median: 13,200

#956 of 1070 Bottom 10.7% in 100M-500M tier

909

Net Interest Margin (NIM)

profitability

Value: 2.97%

Peer Median: 3.62%

#909 of 1070 Bottom 15.1% in 100M-500M tier

908

Member Growth Rate

growth

Value: -3.84%

Peer Median: -0.06%

#908 of 1070 Bottom 15.2% in 100M-500M tier

904

Return on Assets (ROA)

profitability

Value: 0.19%

Peer Median: 0.69%

#904 of 1070 Bottom 15.6% in 100M-500M tier

877

Fee Income Per Member

profitability

Value: $98.62

Peer Median: $154.95

#877 of 1070 Bottom 18.1% in 100M-500M tier