BlastPoint's Credit Union Scorecard
HEALTH ALLIANCE
Charter #17679 · MA
HEALTH ALLIANCE has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.35% above tier average
- + Net Interest Margin 2.69% above tier average
- + Members Per Employee (MPE): Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -10.8% YoY
- - Member Growth Rate: Bottom 4.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,229
-10.8% YoY+0.2% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
27,118
+2.4% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$5.8M
-1.8% YoY-1.5% QoQ
|
$-24.3M |
$30.1M
+2.1% YoY
|
$450.6M
+5.5% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$4.0M
-2.8% YoY-1.2% QoQ
|
$-11.8M |
$15.8M
-1.3% YoY
|
$346.1M
+3.6% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$4.9M
-4.2% YoY-1.8% QoQ
|
$-20.8M |
$25.7M
+1.4% YoY
|
$377.7M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
2.0%
-0.1% YoY-22.7% QoQ
|
+1.4% |
0.6%
+10.8% YoY
|
0.6%
+6.8% YoY
|
0.7%
+15.9% YoY
|
Top 7.3% in tier |
| NIM |
6.6%
+20.2% YoY+1.8% QoQ
|
+2.7% |
4.0%
+4.0% YoY
|
3.3%
+4.1% YoY
|
3.8%
+5.1% YoY
|
Top 1.8% in tier |
| Efficiency Ratio |
59.8%
-3.1% YoY+0.9% QoQ
|
-22.7% |
82.6%
-2.3% YoY
|
81.2%
-12.2% YoY
|
79.7%
-3.3% YoY
|
Top 11.3% in tier |
| Delinquency Rate |
1.4%
-8.9% YoY+53.0% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
0.9%
+13.0% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
82.3%
+1.4% YoY+0.7% QoQ
|
+21.7% |
60.6%
-3.1% YoY
|
73.5%
-2.0% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$7,210
+8.1% YoY-1.8% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$25,262
+4.8% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
21.2%
-14.4% YoY+1.8% QoQ
|
-3.2% | 24.4% | 25.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)