BlastPoint's Credit Union Scorecard
HANSCOM
Charter #9095 · MA
HANSCOM has 7 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 12.5% in tier
- + Wallet Share Momentum: Top 14.8% in tier
- + Organic Growth Leader: Top 51.1% in tier
- + Organic Growth Engine: Top 87.4% in tier
- + Deposit Growth Rate: Top 2.0% in tier
- + Asset Growth Rate: Top 2.6% in tier
- + AMR Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 15.7% in tier
- - ROA 0.57% below tier average
- - Efficiency ratio 10.31% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 4.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
105,804
+3.2% YoY+2.9% QoQ
|
+8.4K |
97,431
-2.4% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$2.2B
+21.9% YoY+20.0% QoQ
|
+$489.5M |
$1.7B
+0.9% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$1.6B
+7.1% YoY+12.3% QoQ
|
+$410.5M |
$1.2B
+0.5% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$1.9B
+24.8% YoY+21.4% QoQ
|
+$490.1M |
$1.5B
+0.9% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
0.1%
-12.0% YoY-69.7% QoQ
|
-0.6% |
0.7%
+20.9% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.3% in tier |
| NIM |
2.9%
-11.3% YoY-8.7% QoQ
|
-0.4% |
3.3%
+9.2% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
84.4%
+10.6% YoY+1.8% QoQ
|
+10.3% |
74.1%
-9.5% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 9.6% in tier |
| Delinquency Rate |
0.7%
-52.3% YoY+32.9% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
84.4%
-14.2% YoY-7.5% QoQ
|
-0.4% |
84.8%
-0.8% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$33,972
+12.4% YoY+13.7% QoQ
|
+$5K |
$29,428
+2.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
31.1%
-17.1% YoY-15.0% QoQ
|
+2.1% | 29.0% | 25.0% | 19.8% | 61% |
| Indirect Auto % |
8.9%
-35.2% YoY-20.5% QoQ
|
-9.4% | 18.3% | 2.4% | 7.8% | 34% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)