BlastPoint's Credit Union Scorecard

HANSCOM

Charter #9095 · MA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 10 in MA

View Mid-Market leaderboard →

HANSCOM has 7 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 1.3% in tier
+ Wallet Share Momentum: Top 1.3% in tier
+ AMR Growth Rate: Top 1.0% in tier
+ Deposit Growth Rate: Top 4.0% in tier
+ Asset Growth Rate: Top 4.7% in tier
+ Loan Growth Rate: Top 9.7% in tier
+ Net Charge-Off Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 3.7% in tier
- Membership Headwinds: Bottom 94.6% in tier
- Stagnation Risk: Bottom 94.6% in tier
- ROA 0.49% below tier average
- Efficiency ratio 15.75% above tier (higher cost structure)
- Member decline: -5.3% YoY
- Member Growth Rate: Bottom 6.3% in tier

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 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Massachusetts.
Shares and deposits +20.8% year over year ($1.93B in shares and deposits).
Membership: 97,310 members, -5.3% vs a year ago.
Delinquency rate 0.51%.
Return on assets 0.33%.
Efficiency ratio 88.77% vs a 73.02% peer average.
Loan-to-share ratio 87.13% vs a 84.71% 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	97,310 -5.3% YoY+0.7% QoQ	+448	96,861 -1.9% YoY	18,780 +3.1% YoY	34,678 +6.6% YoY	59%
Assets	$2.2B +18.4% YoY-0.8% QoQ	+$452.0M	$1.7B +0.4% YoY	$364.5M +6.9% YoY	$593.1M +10.2% YoY	75%
Loans	$1.7B +14.1% YoY+1.6% QoQ	+$446.6M	$1.2B +0.7% YoY	$274.7M +7.2% YoY	$418.6M +10.1% YoY	80%
Deposits	$1.9B +20.8% YoY-0.3% QoQ	+$465.8M	$1.5B +0.5% YoY	$301.2M +8.1% YoY	$504.8M +10.3% YoY	78%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -0.2% YoY+1.8% QoQ	-0.5%	0.8% +27.6% YoY	0.7% +12.3% YoY	1.2% +121.4% YoY	Bottom 13.3% in tier
NIM	3.2% +2.8% YoY+1.0% QoQ	-0.2%	3.4% +6.6% YoY	3.3% +1.4% YoY	3.8% +2.3% YoY	34%
Efficiency Ratio	88.8% +6.8% YoY-0.2% QoQ	+15.7%	73.0% -2.7% YoY	80.1% -1.4% YoY	83.0% -5.3% YoY	Bottom 4.0% in tier
Delinquency Rate	0.5% -18.7% YoY-14.6% QoQ	-0.4	0.9% +7.3% YoY	0.8% -7.5% YoY	1.3% +2.6% YoY	30%
Loan To Share	87.1% -5.5% YoY+1.9% QoQ	+2.4%	84.7% +0.1% YoY	71.9% -1.9% YoY	66.4% -1.4% YoY	50%
AMR	$37,097 +24.1% YoY-0.1% QoQ	+$8K	$29,575 +1.5% YoY	$25,615 +4.4% YoY	$20,028 -0.9% YoY	Top 13.0% in tier
CD Concentration	31.2% -16.7% YoY-1.1% QoQ	+2.1%	29.1%	25.4%	20.0%	61%
Indirect Auto %	7.8% -37.3% YoY-3.4% QoQ	-10.2%	18.1%	2.4%	7.7%	32%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#3 of 69 • Top 1.3% 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): 24.07%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.0K

(Tier: $3.2K, National: $2.1K)

better than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | New qualifier

Wallet Share Momentum

growth

#5 of 125 • Top 1.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 24.07%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (3)

Efficiency Drag

risk

#7 of 71 • Bottom 3.7% in tier

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

Why This Signature

Efficiency Ratio: 88.77%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.00% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -5.26%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Membership Headwinds

decline

#21 of 86 • Bottom 94.6% in tier

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

Why This Signature

Member Growth (YoY): -5.26%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Stagnation Risk

risk

#56 of 86 • Bottom 94.6% 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): -5.26%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 14.05%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.51%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

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 300 peers in tier

Top Strengths (10 metrics)

AMR Growth Rate

growth

Value: 24.07%

Peer Median: 3.19%

#4 of 300 Top 1.0% in 1B-3B tier

Deposit Growth Rate

growth

Value: 20.75%

Peer Median: 4.79%

#13 of 300 Top 4.0% in 1B-3B tier

Asset Growth Rate

growth

Value: 18.39%

Peer Median: 5.21%

#15 of 300 Top 4.7% in 1B-3B tier

Loan Growth Rate

growth

Value: 14.05%

Peer Median: 5.71%

#30 of 300 Top 9.7% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: 0.52%

#30 of 300 Top 9.7% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,273

Peer Median: $12,809

#32 of 300 Top 10.3% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $37,097

Peer Median: $28,089

#39 of 300 Top 12.7% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.68B

Peer Median: $1.14B

#60 of 300 Top 19.7% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.93B

Peer Median: $1.30B

#66 of 300 Top 21.7% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.18B

Peer Median: $1.51B

#75 of 300 Top 24.7% in 1B-3B tier

Top Weaknesses (4 metrics)

289

Efficiency Ratio

profitability

Value: 88.77%

Peer Median: 73.62%

#289 of 300 Bottom 4.0% in 1B-3B tier

282

Member Growth Rate

growth

Value: -5.26%

Peer Median: 1.84%

#282 of 300 Bottom 6.3% in 1B-3B tier

263

Fee Income Per Member

profitability

Value: $133.24

Peer Median: $204.73

#263 of 300 Bottom 12.7% in 1B-3B tier

260

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Median: 0.77%

#260 of 300 Bottom 13.7% in 1B-3B tier