BlastPoint's Credit Union Scorecard

HARTFORD

Charter #14388 · CT

1069 CUs in 100M-500M nationally 13 in CT

HARTFORD has 4 strengths but faces 9 concerns

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.16% above tier average
+ Net Interest Margin 0.17% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 7.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 44.2% in tier
- Efficiency Drag: Bottom 46.4% in tier
- Credit Risk Growth: Bottom 56.9% in tier
- Stagnation Risk: Bottom 77.8% in tier
- Membership Headwinds: Bottom 85.9% in tier
- Efficiency ratio 6.02% above tier (higher cost structure)
- Delinquency rate 0.65% above tier average
- Loan-to-Member Ratio (LMR): Bottom 2.4% in tier
- Average Member Relationship (AMR): Bottom 2.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	16,292 -1.1% YoY-0.3% QoQ	+854	15,437 -2.9% YoY	14,275 +6.6% YoY	33,374 +5.7% YoY	63%
Assets	$153.4M +3.8% YoY+4.0% QoQ	$-78.5M	$231.9M +1.3% YoY	$241.1M +14.1% YoY	$561.6M +9.7% YoY	32%
Loans	$70.8M +4.2% YoY+1.8% QoQ	$-76.5M	$147.3M -0.1% YoY	$136.5M +14.4% YoY	$397.0M +8.8% YoY	16%
Deposits	$130.1M +3.0% YoY+4.2% QoQ	$-70.7M	$200.8M +0.8% YoY	$211.2M +13.7% YoY	$477.3M +9.7% YoY	31%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +26.4% YoY-10.4% QoQ	+0.2%	0.8% +18.2% YoY	0.6% +43.4% YoY	0.7% +15.9% YoY	63%
NIM	3.8% +10.3% YoY-0.8% QoQ	+0.2%	3.6% +6.7% YoY	3.6% +1.8% YoY	3.8% +5.1% YoY	60%
Efficiency Ratio	83.0% +0.1% YoY+2.2% QoQ	+6.0%	77.0% -3.1% YoY	81.1% -1.3% YoY	79.7% -3.3% YoY	72%
Delinquency Rate	1.5% +18.2% YoY+24.2% QoQ	+0.7	0.9% +4.2% YoY	1.5% +7.3% YoY	1.3% -2.1% YoY	Top 12.7% in tier
Loan To Share	54.4% +1.1% YoY-2.3% QoQ	-17.8%	72.2% -1.1% YoY	54.6% -1.8% YoY	67.4% -1.7% YoY	Bottom 14.6% in tier
AMR	$12,332 +4.5% YoY+3.6% QoQ	$-12K	$24,676 +3.4% YoY	$17,243 +6.0% YoY	$19,687 +2.0% YoY	Bottom 2.8% in tier
CD Concentration	8.1% +67.9% YoY+61.6% QoQ	-16.4%	24.4%	14.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.6%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#312 of 705 • Bottom 44.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.24% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Efficiency Drag

risk

#250 of 538 • Bottom 46.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.04%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.19% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -1.06%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Risk Growth

risk

#260 of 456 • Bottom 56.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.15%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.24% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Stagnation Risk

risk

#431 of 554 • Bottom 77.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.06%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 4.15%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 1.55%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#476 of 554 • Bottom 85.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.06%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.06%

Peer Median: -

#85 of 1069 Top 7.9% in 100M-500M tier

118

Members Per Employee (MPE)

engagement

Value: 452.556

Peer Median: -

#118 of 1069 Top 10.9% in 100M-500M tier

209

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: -

#209 of 1069 Top 19.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1044

Loan-to-Member Ratio (LMR)

engagement

Value: $4,346

Peer Median: -

#1044 of 1069 Bottom 2.4% in 100M-500M tier

1039

Average Member Relationship (AMR)

engagement

Value: $12,332

Peer Median: -

#1039 of 1069 Bottom 2.9% in 100M-500M tier

934

Total Delinquency Rate (60+ days)

risk

Value: 1.55%

Peer Median: -

#934 of 1069 Bottom 12.7% in 100M-500M tier

913

Loan-to-Share Ratio

balance_sheet

Value: 54.42%

Peer Median: -

#913 of 1069 Bottom 14.7% in 100M-500M tier

897

Total Loans

balance_sheet

Value: $70.80M

Peer Median: -

#897 of 1069 Bottom 16.2% in 100M-500M tier

870

First Mortgage Concentration (%)

balance_sheet

Value: 46.34%

Peer Median: -

#870 of 1069 Bottom 18.7% in 100M-500M tier