BlastPoint's Banking Scorecard
Greenfield Co-operative Bank
Greenfield, MA
10 branches across MA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 39 in MA.
- Deposits +8.9% year over year ($800.0M on the books).
- Delinquency rate 0.73%.
- Return on assets 0.57%.
- Efficiency ratio 76.75% vs a 64.48% peer average.
- Loan-to-deposit ratio 69.00% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Greenfield Co-operative Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.76% below tier average
- - Net Interest Margin 0.75% below tier average
- - Efficiency Ratio 12.28% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$901.8M
+8.4% YoY
+5.1% QoQ
|
+$515.2M |
$386.6M
+1.2% YoY
|
$7.0B
+13.2% YoY
|
$6.3B
+7.7% YoY
|
Top 3.6% in tier |
| Total Loans ? |
$552.0M
+7.8% YoY
+4.7% QoQ
|
+$293.6M |
$258.3M
+1.7% YoY
|
$2.5B
+16.1% YoY
|
$3.2B
+9.4% YoY
|
Top 7.9% in tier |
| Total Deposits ? |
$800.0M
+8.9% YoY
+5.7% QoQ
|
+$473.3M |
$326.7M
+0.7% YoY
|
$5.6B
+14.9% YoY
|
$4.9B
+7.3% YoY
|
Top 2.1% in tier |
| Return on Assets ? |
0.57%
-9.5% YoY
-11.1% QoQ
|
-0.76% |
1.32%
+10.8% YoY
|
0.66%
+38.5% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.1% in tier |
| Net Interest Margin ? |
3.24%
+4.8% YoY
+0.2% QoQ
|
-0.75% |
3.99%
+5.0% YoY
|
3.05%
+8.7% YoY
|
3.95%
+4.9% YoY
|
17% |
| Efficiency Ratio ? |
76.75%
+0.3% YoY
+2.0% QoQ
|
+12.28% |
64.48%
-3.2% YoY
|
79.07%
-1.9% YoY
|
70.05%
+2.5% YoY
|
18% |
| Delinquency Rate ? |
0.73%
-17.5% YoY
-19.4% QoQ
|
-0.19% |
0.92%
+15.7% YoY
|
0.74%
+5.8% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
69.00%
-1.0% YoY
-0.9% QoQ
|
-8.96% |
77.95%
+1.0% YoY
|
91.41%
-1.2% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
15.42%
+4.3% YoY
+1.2% QoQ
|
-6.61% |
22.03%
-0.6% YoY
|
16.01%
-3.7% YoY
|
21.98%
-0.6% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.44%
-17.9% YoY
-19.7% QoQ
|
-0.22% |
0.67%
+16.4% YoY
|
0.59%
+7.5% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
12.47%
-0.3% YoY
-1.2% QoQ
|
-3.44% |
15.91%
+1.4% YoY
|
15.08%
+1.7% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.12%
-4.9% YoY
+90.5% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.57%
+4.1% YoY
|
0.66%
+5.2% YoY
|
25% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.4%
+0.6pp YoY +0.2pp QoQ |
-6.7pp | 22.1% | 16.2% | 22.2% | 26% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.1% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.6%
-0.5pp YoY -0.2pp QoQ |
-8.0pp | 11.6% | 6.5% | 12.5% | 12% |
| CRE |
25.7%
+1.4pp YoY +1.3pp QoQ |
-13.8pp | 39.5% | 40.3% | 41.4% | 28% |
| 1-4 Family |
65.5%
+0.1pp YoY -0.7pp QoQ |
+32.9pp | 32.6% | 52.4% | 31.3% | 92% |
| Consumer |
0.5%
-0.1pp YoY -0.1pp QoQ |
-3.6pp | 4.1% | 1.6% | 5.0% | 16% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.6% | 19.7% | n/a |
| Leverage Ratio |
12.5%
0.0pp YoY -0.2pp QoQ |
+0.3pp | 12.2% | 11.5% | 12.6% | 70% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
115
+1 (+0.9%) YoY +2 (+1.8%) QoQ |
+56 | 58 | 755 | 482 | 91% |
| Assets per Employee ($) |
$7.8M
+7.4% YoY +3.3% QoQ |
+$324K | $7.5M | $10.7M | $8.8M | 66% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 13 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.7%
-0.2pp YoY -0.2pp QoQ |
-0.2pp | 0.9% | 0.8% | 1.0% | 64% |
| Allowance Coverage |
1.33x
+27.8% YoY +23.5% QoQ |
-22.82x | 24.15x | 7.95x | 20.23x | 36% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 31% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.0%
-0.6pp YoY -0.5pp QoQ |
-7.2pp | 12.2% | 5.6% | 11.6% | 14% |
| Cost of Funds (YTD) |
1.3%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 2.0% | 1.7% | 26% |
| Net Income ($, YTD) |
$2.5M
-3.0% YoY — QoQ |
-$100K | $2.6M | $31.7M | $40.4M | 61% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.