BlastPoint's Credit Union Scorecard
HFS
Charter #1829 · HI
HFS has 8 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does HI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 24.0% in tier
- + Wallet Share Momentum: Top 25.4% in tier
- + Emerging Performer: Top 32.9% in tier
- + Organic Growth Leader: Top 55.3% in tier
- + ROA 0.39% above tier average
- + Deposit Growth Rate: Top 5.0% in tier
- + Asset Growth Rate: Top 5.3% in tier
- + AMR Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 29.5% in tier
- - Credit Quality Pressure: Bottom 39.5% in tier
- - Delinquency rate 0.52% above tier average
- - Loan-to-Share Ratio: Bottom 1.3% in tier
- - Total Loans: Bottom 1.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.0% in tier
- - Total Assets: Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
55,513
+3.0% YoY+0.4% QoQ
|
-41.9K |
97,431
-2.4% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
Bottom 10.9% in tier |
| Assets |
$1.1B
+15.8% YoY+4.0% QoQ
|
$-649.6M |
$1.7B
+0.9% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.3% in tier |
| Loans |
$464.0M
+8.0% YoY+1.4% QoQ
|
$-770.4M |
$1.2B
+0.5% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.3% in tier |
| Deposits |
$969.0M
+16.2% YoY+4.4% QoQ
|
$-490.3M |
$1.5B
+0.9% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
15% |
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| ROA |
1.1%
+35.9% YoY-5.9% QoQ
|
+0.4% |
0.7%
+20.9% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
2.6%
-0.2% YoY-0.8% QoQ
|
-0.7% |
3.3%
+9.2% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.6% in tier |
| Efficiency Ratio |
65.1%
-2.1% YoY-0.4% QoQ
|
-8.9% |
74.1%
-9.5% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
1.4%
+13.9% YoY+2.6% QoQ
|
+0.5 |
0.9%
+6.2% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
Top 14.2% in tier |
| Loan To Share |
47.9%
-7.0% YoY-2.9% QoQ
|
-36.9% |
84.8%
-0.8% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.0% in tier |
| AMR |
$25,814
+10.1% YoY+3.1% QoQ
|
$-4K |
$29,428
+2.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
32.0%
+24.0% YoY+4.7% QoQ
|
+2.9% | 29.0% | 24.1% | 19.8% | 66% |
| Indirect Auto % |
6.4%
-9.1% YoY-4.4% QoQ
|
-11.9% | 18.3% | 5.0% | 7.8% | 28% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)