HANSCOM

Charter #9095 | MA

1B-3B (304 CUs) Mid-Market (380 CUs)
10 1B-3B in MA

HANSCOM has 2 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 32.9% in tier
  • + Organic Growth Leader: Top 34.7% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 9.1% in tier
  • - Shrinking Wallet Share: Bottom 22.4% in tier
  • - Liquidity Strain: Bottom 34.7% in tier
  • - Flatlined Growth: Bottom 48.6% in tier
  • - ROA 0.34% below tier average
  • - Efficiency ratio 8.89% above tier (higher cost structure)
  • - Fee Income Per Member: Bottom 4.9% in tier
  • - Loan Growth Rate: Bottom 8.9% in tier
  • - Net Charge-Off Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 102,784
+0.5% YoY+0.1% QoQ
 +4.1K 98,678
-1.9% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 60th in tier
Assets $1.8B
+1.6% YoY+0.3% QoQ
 +$124.1M $1.7B
+0.5% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 64th in tier
Loans $1.5B
-5.0% YoY-0.6% QoQ
 +$231.9M $1.2B
+0.5% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 71st in tier
Deposits $1.6B
+2.9% YoY+0.5% QoQ
 +$152.0M $1.5B
+1.3% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 64th in tier
ROA 0.4%
+66.0% YoY+10.1% QoQ
 -0.3% 0.7%
+13.4% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 Bottom 19.7% in tier
NIM 3.2%
-2.5% YoY+0.8% QoQ
 -0.1% 3.3%
+9.3% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 42nd in tier
Efficiency Ratio 82.9%
+10.1% YoY-0.3% QoQ
 +8.9% 74.0%
-10.9% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 Top 15.1% in tier
Delinquency Rate 0.6%
-58.1% YoY-10.7% QoQ
 -0.3 0.8%
+6.1% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 37th in tier
Loan To Share 91.2%
-7.7% YoY-1.1% QoQ
 +6.0% 85.2%
-0.8% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 59th in tier
AMR $29,881
-1.5% YoY-0.1% QoQ
 +$709 $29,172
+2.8% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 63rd in tier
CD Concentration 36.6%
-3.0% YoY-2.0% QoQ
 +7.7% 29.0%
+0.8% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 Top 17.7% in tier
Indirect Auto % 11.3%
-20.9% YoY-10.2% QoQ
 -7.5% 18.8%
-2.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 38th in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#239 of 246 • Top 32.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.51%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.37%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 11.25%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth
#137 of 138 • Top 34.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.51%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Concerns (4)

Efficiency Drag

risk
#31 of 96 • Bottom 9.1% in tier

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

Why This Signature
Efficiency Ratio: 82.86%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.15% points
(Tier: 0.07% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 0.51%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#69 of 83 • Bottom 22.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.53%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank worsening

Liquidity Strain

risk
#183 of 183 • Bottom 34.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 91.20%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -5.02%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Flatlined Growth

risk
#18 of 18 • Bottom 48.6% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $1.84B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.61%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Return on Assets: 0.37%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
18 of 380 Mid-Market CUs have this signature | 82 nationally
→ Stable (18→18 CUs) | 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)

Comparing against 304 peers in tier

Top Strengths (1 metrics)

57
Members Per Employee (MPE)
engagement
Value: 430.059
Peer Avg: 364.953
#57 of 304 Top 18.4% in 1B-3B tier

Top Weaknesses (7 metrics)

290
Fee Income Per Member
profitability
Value: $102.09
Peer Avg: $210.52
#290 of 304 Bottom 4.9% in 1B-3B tier
278
Loan Growth Rate
growth
Value: -5.02%
Peer Avg: 5.27%
#278 of 304 Bottom 8.9% in 1B-3B tier
277
Net Charge-Off Rate
risk
Value: 1.14%
Peer Avg: 0.60%
#277 of 304 Bottom 9.2% in 1B-3B tier
259
Efficiency Ratio
profitability
Value: 82.86%
Peer Avg: 73.97%
#259 of 304 Bottom 15.1% in 1B-3B tier
258
Share Certificate Concentration (%)
balance_sheet
Value: 36.64%
Peer Avg: 28.53%
#258 of 304 Bottom 15.5% in 1B-3B tier
248
AMR Growth Rate
growth
Value: -1.53%
Peer Avg: 3.29%
#248 of 304 Bottom 18.8% in 1B-3B tier
244
Return on Assets (ROA)
profitability
Value: 0.37%
Peer Avg: 0.70%
#244 of 304 Bottom 20.1% in 1B-3B tier