BlastPoint's Credit Union Scorecard
HARTFORD
Charter #14388 · CT
HARTFORD has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 4.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 22.5% in tier
- - Stagnation Risk: Bottom 26.5% in tier
- - Membership Headwinds: Bottom 27.3% in tier
- - Efficiency ratio 3.99% above tier (higher cost structure)
- - Delinquency rate 0.39% above tier average
- - Average Member Relationship (AMR): Bottom 1.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,339
-1.1% YoY-0.2% QoQ
|
+710 |
15,628
-3.4% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
63% |
| Assets |
$147.6M
+0.6% YoY-2.6% QoQ
|
$-83.7M |
$231.3M
-0.0% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$69.6M
+6.6% YoY+1.6% QoQ
|
$-78.2M |
$147.8M
-1.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
15% |
| Deposits |
$124.9M
-0.4% YoY-3.4% QoQ
|
$-75.4M |
$200.3M
-0.0% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
1.0%
+40.1% YoY+4.0% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
3.8%
+13.7% YoY+3.2% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
63% |
| Efficiency Ratio |
81.3%
-1.7% YoY-0.4% QoQ
|
+4.0% |
77.3%
-3.0% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
65% |
| Delinquency Rate |
1.2%
-7.3% YoY-2.8% QoQ
|
+0.4 |
0.9%
+7.6% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
55.7%
+7.0% YoY+5.2% QoQ
|
-17.0% |
72.7%
-1.5% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$11,903
+3.2% YoY-1.5% QoQ
|
$-12K |
$24,363
+2.9% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.8% in tier |
| CD Concentration |
5.0%
+13.4% YoY+1.7% QoQ
|
-19.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)