BlastPoint's Credit Union Scorecard
HANSCOM
Charter #9095 · MA
HANSCOM has 2 strengths but faces 9 concerns
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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
|
60% |
| 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
|
64% |
| 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
|
71% |
| 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
|
64% |
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| 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
|
20% |
| 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
|
42% |
| 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
|
85% |
| 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
|
37% |
| 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
|
59% |
| 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
|
63% |
| CD Concentration |
36.6%
-3.0% YoY-2.0% QoQ
|
+7.7% |
29.0%
+0.7% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
82% |
| Indirect Auto % |
11.3%
-20.9% YoY-10.2% QoQ
|
-7.5% |
18.8%
-3.0% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
38% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)