Greater Springfield

SPRINGFIELD, MA · 2 · Charter #67902 · www.grscu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$226.8M
95th percentile
Members
10,961
74th percentile
Total loans
$111.5M
82th percentile
Total shares
$186.3M
94th percentile

Profitability

Return on assets
1.39%
71th percentile
Net interest margin
2.93%
15th percentile
Efficiency ratio
47.17%
87th percentile
Non-interest income ratio
15.11%
39th percentile

Capital & Risk

Net worth ratio
19.13%
92th percentile
Delinquency rate
0.56%
61th percentile
Net charge-off rate
0.02%
95th percentile
Loan-to-share
59.83%
35th percentile

Growth

Member growth YoY
1.73%
77th percentile
Asset growth YoY
-2.83%
8th percentile
Loan growth YoY
2.46%
56th percentile
Share growth YoY
-5.27%
3th percentile

Operations

Members / branch
5,481
86th percentile
Assets / member
$20,695
86th percentile
Field of membership penetration
1.44%
22th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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