BlastPoint's Banking Scorecard
Greenfield Co-operative Bank
Community
Specialty: Mortgage
MA
FDIC cert 26397
Greenfield, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
Greenfield Co-operative Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$845.8M
+7.6% YoY
+1.2% QoQ
|
-$545.7M |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$523.1M
+4.1% YoY
+2.9% QoQ
|
-$452.4M |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$744.0M
+7.2% YoY
+1.2% QoQ
|
-$420.6M |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
0.63%
+6.6% YoY
-1.9% QoQ
|
-0.54% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
3.15%
+3.5% YoY
+0.7% QoQ
|
-0.51% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
75.73%
-1.7% YoY
-0.3% QoQ
|
+13.10% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.92%
+8.5% YoY
+17.7% QoQ
|
+0.29% |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
70.30%
-3.0% YoY
+1.7% QoQ
|
-12.76% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
15.11%
+1.8% YoY
+0.5% QoQ
|
-5.94% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.57%
+4.9% YoY
+19.7% QoQ
|
+0.07% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.26%
-4.8% YoY
+32.5% QoQ
|
-0.48% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#83 of 642 · Bottom 13% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
42
42th pctile
Total Deposits
Current: $744.0M · Tier avg: $1.2B
39
39th pctile
Total Assets
Current: $845.8M · Tier avg: $1.4B
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.50%
34
34th pctile
Total Loans
Current: $523.1M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.63%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.11% · Tier avg: 21.05%
23
23th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.66%
20
20th pctile
Loan-to-Deposit Ratio
Current: 70.30% · Tier avg: 83.06%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
16
16th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.16%
16
16th pctile
Efficiency Ratio
Current: 75.73% · Tier avg: 62.63%
Top Weaknesses
16
16th pctile
Efficiency Ratio
Current: 75.73% · Tier avg: 62.63%
16
16th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.16%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
20
20th pctile
Loan-to-Deposit Ratio
Current: 70.30% · Tier avg: 83.06%
23
23th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.66%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.11% · Tier avg: 21.05%
27
27th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Total Loans
Current: $523.1M · Tier avg: $975.5M
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.50%
39
39th pctile
Total Assets
Current: $845.8M · Tier avg: $1.4B
42
42th pctile
Total Deposits
Current: $744.0M · Tier avg: $1.2B