BlastPoint's Credit Union Scorecard

HANSCOM

Charter #9095 · MA

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

HANSCOM has 6 strengths but faces 8 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 1.1% in tier
+ Wallet Share Momentum: Top 1.1% in tier
+ AMR Growth Rate: Top 0.7% in tier
+ Deposit Growth Rate: Top 4.6% in tier
+ Asset Growth Rate: Top 4.9% in tier
+ Net Charge-Off Rate: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.0% in tier
- Credit Risk Growth: Bottom 22.1% in tier
- Credit Quality Pressure: Bottom 29.7% in tier
- Membership Headwinds: Bottom 94.7% in tier
- Stagnation Risk: Bottom 94.7% in tier
- ROA 0.39% below tier average
- Efficiency ratio 14.30% above tier (higher cost structure)
- Member decline: -5.9% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	96,606 -5.9% YoY-8.7% QoQ	+557	96,048 -2.7% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	59%
Assets	$2.2B +19.1% YoY-0.8% QoQ	+$475.0M	$1.7B +0.4% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	76%
Loans	$1.7B +10.5% YoY+0.5% QoQ	+$440.1M	$1.2B +0.2% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	80%
Deposits	$1.9B +20.9% YoY-0.8% QoQ	+$468.5M	$1.5B +0.5% YoY	$496.3M +36.0% YoY	$494.3M +9.1% 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% +55.3% YoY+193.8% QoQ	-0.4%	0.7% +27.6% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	17%
NIM	3.2% +1.3% YoY+10.5% QoQ	-0.1%	3.4% +6.2% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	88.9% +6.5% YoY+5.4% QoQ	+14.3%	74.6% -3.0% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	Bottom 5.2% in tier
Delinquency Rate	0.6% +24.0% YoY-19.8% QoQ	-0.2	0.8% +6.9% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	46%
Loan To Share	85.5% -8.7% YoY+1.3% QoQ	+2.3%	83.2% -0.4% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	50%
AMR	$37,139 +23.2% YoY+9.3% QoQ	+$7K	$29,652 +2.3% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 13.7% in tier
CD Concentration	31.5% -14.9% YoY+1.2% QoQ	+2.7%	28.8%	25.2%	19.8%	64%
Indirect Auto %	8.1% -39.7% YoY-9.3% QoQ	-10.0%	18.1%	2.3%	7.7%	33%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#2 of 64 • Top 1.1% 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): 23.20%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.1K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | New qualifier

Wallet Share Momentum

growth

#4 of 125 • Top 1.1% in tier

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

Why This Signature

AMR Growth (YoY): 23.20%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#21 of 91 • Bottom 94.7% in tier

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

Why This Signature

Member Growth (YoY): -5.95%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Credit Risk Growth

risk

#56 of 183 • Bottom 22.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.47%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Efficiency Drag

risk

#32 of 100 • Bottom 5.0% in tier

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

Why This Signature

Efficiency Ratio: 88.94%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.12% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -5.95%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Credit Quality Pressure

risk

#113 of 225 • Bottom 29.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Stagnation Risk

risk

#49 of 91 • Bottom 94.7% 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): -5.95%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 10.47%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.60%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | 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 306 peers in tier

Top Strengths (10 metrics)

AMR Growth Rate

growth

Value: 23.20%

Peer Median: 3.15%

#3 of 306 Top 0.7% in 1B-3B tier

Deposit Growth Rate

growth

Value: 20.94%

Peer Median: 4.44%

#15 of 306 Top 4.6% in 1B-3B tier

Asset Growth Rate

growth

Value: 19.07%

Peer Median: 4.82%

#16 of 306 Top 4.9% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.12%

Peer Median: 0.51%

#25 of 306 Top 7.8% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,120

Peer Median: $12,733

#38 of 306 Top 12.1% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $37,139

Peer Median: $28,178

#42 of 306 Top 13.4% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.65B

Peer Median: $1.11B

#62 of 306 Top 19.9% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.47%

Peer Median: 5.67%

#66 of 306 Top 21.2% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.93B

Peer Median: $1.31B

#66 of 306 Top 21.2% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.19B

Peer Median: $1.51B

#72 of 306 Top 23.2% in 1B-3B tier

Top Weaknesses (5 metrics)

291

Efficiency Ratio

profitability

Value: 88.94%

Peer Median: 75.16%

#291 of 306 Bottom 5.2% in 1B-3B tier

288

Member Growth Rate

growth

Value: -5.95%

Peer Median: 2.03%

#288 of 306 Bottom 6.2% in 1B-3B tier

253

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Median: 0.66%

#253 of 306 Bottom 17.6% in 1B-3B tier

251

Fee Income Per Member

profitability

Value: $141.38

Peer Median: $191.54

#251 of 306 Bottom 18.3% in 1B-3B tier

231

Members Per Employee (MPE)

engagement

Value: 300.953

Peer Median: 345.077

#231 of 306 Bottom 24.8% in 1B-3B tier