BlastPoint's Credit Union Scorecard

COMMUNITY HEALTHCARE

Charter #12847 · WA

<100M
2508 CUs in <100M nationally 33 in WA

COMMUNITY HEALTHCARE has 3 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Asset Growth Rate: Top 6.7% in tier
  • + Loan Growth Rate: Top 8.3% in tier
  • + AMR Growth Rate: Top 8.4% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.21% below tier average
  • - Efficiency ratio 2.97% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 1,329
-1.3% YoY-1.0% QoQ
-1.3K 2,676
+1.6% YoY
67,148
+4.0% YoY
33,913
+5.7% YoY
37%
Assets $22.1M
+10.5% YoY+8.8% QoQ
$-8.1M $30.2M
+1.3% YoY
$1.3B
+6.8% YoY
$578.3M
+9.0% YoY
50%
Loans $11.4M
+11.5% YoY+7.4% QoQ
$-3.9M $15.3M
-2.0% YoY
$931.6M
+6.7% YoY
$402.4M
+8.7% YoY
55%
Deposits $18.6M
+7.9% YoY+6.7% QoQ
$-7.2M $25.8M
+0.7% YoY
$1.1B
+7.7% YoY
$494.3M
+9.1% YoY
50%

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ROA -0.1%
-109.8% YoY-113.8% QoQ
-0.2% 0.1%
-77.6% YoY
0.5%
+1.1% YoY
0.4%
-39.2% YoY
20%
NIM 3.4%
-11.4% YoY-13.7% QoQ
-0.6% 4.0%
+4.0% YoY
3.7%
+3.5% YoY
3.8%
+4.1% YoY
30%
Efficiency Ratio 93.6%
+7.6% YoY+11.3% QoQ
+3.0% 90.6%
+6.5% YoY
78.0%
-0.9% YoY
84.6%
+2.8% YoY
75%
Delinquency Rate 1.1%
+9.5% YoY-58.8% QoQ
-0.4 1.5%
+3.8% YoY
0.9%
+10.5% YoY
1.2%
+3.4% YoY
67%
Loan To Share 61.2%
+3.4% YoY+0.7% QoQ
+2.7% 58.5%
-3.0% YoY
74.8%
-1.7% YoY
65.6%
-1.4% YoY
54%
AMR $22,556
+10.6% YoY+8.1% QoQ
+$8K $14,884
-1.7% YoY
$29,247
+2.9% YoY
$19,920
+1.6% YoY
Top 13.6% in tier
CD Concentration 24.4%
+139.0% YoY+23.6% QoQ
+0.1% 24.3% 22.5% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 16.1% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
168
Asset Growth Rate
growth
Value: 10.48%
Peer Median: 1.30%
#168 of 2508 Top 6.7% in <100M tier
208
Loan Growth Rate
growth
Value: 11.53%
Peer Median: -2.36%
#208 of 2508 Top 8.3% in <100M tier
212
AMR Growth Rate
growth
Value: 10.65%
Peer Median: 1.27%
#212 of 2508 Top 8.4% in <100M tier
322
Deposit Growth Rate
growth
Value: 7.90%
Peer Median: 0.66%
#322 of 2508 Top 12.8% in <100M tier
341
Average Member Relationship (AMR)
engagement
Value: $22,556
Peer Median: $13,926
#341 of 2508 Top 13.6% in <100M tier
358
Loan-to-Member Ratio (LMR)
engagement
Value: $8,566
Peer Median: $4,923
#358 of 2508 Top 14.2% in <100M tier

Top Weaknesses (3 metrics)

2029
Net Charge-Off Rate
risk
Value: 0.74%
Peer Median: 0.07%
#2029 of 2508 Bottom 19.1% in <100M tier
2010
Return on Assets (ROA)
profitability
Value: -0.06%
Peer Median: 0.61%
#2010 of 2508 Bottom 19.9% in <100M tier
1888
Efficiency Ratio
profitability
Value: 93.60%
Peer Median: 81.45%
#1888 of 2508 Bottom 24.8% in <100M tier
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