HFS

Charter #1829 | HI

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in HI

HFS has 9 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 4.0% in tier
  • + Wallet Share Momentum: Top 4.6% in tier
  • + Organic Growth Engine: Top 7.3% in tier
  • + Relationship Depth Leader: Top 9.8% in tier
  • + Organic Growth Leader: Top 19.1% in tier
  • + ROA 0.44% above tier average
  • + Asset Growth Rate: Top 3.9% in tier
  • + Deposit Growth Rate: Top 4.9% in tier
  • + AMR Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 2.5% in tier
  • - Credit Quality Pressure: Bottom 4.2% in tier
  • - Delinquency rate 0.56% above tier average
  • - Total Loans: Bottom 1.3% in tier
  • - Loan-to-Share Ratio: Bottom 1.6% in tier
  • - Total Assets: Bottom 3.6% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Members 55,316
+3.0% YoY+1.0% QoQ
 -43.4K 98,678
-1.9% YoY
 19,538
+4.7% YoY
 33,089
+6.1% YoY
 Bottom 10.2% in tier
Assets $1.0B
+14.5% YoY+2.8% QoQ
 $-687.2M $1.7B
+0.5% YoY
 $371.1M
+11.7% YoY
 $547.7M
+7.8% YoY
 Bottom 3.3% in tier
Loans $457.4M
+10.1% YoY+3.0% QoQ
 $-775.6M $1.2B
+0.5% YoY
 $190.1M
+8.2% YoY
 $388.7M
+8.6% YoY
 Bottom 1.0% in tier
Deposits $928.0M
+14.6% YoY+2.6% QoQ
 $-526.3M $1.5B
+1.3% YoY
 $328.7M
+11.9% YoY
 $464.6M
+9.3% YoY
 Bottom 11.5% in tier
ROA 1.1%
+67.9% YoY+8.9% QoQ
 +0.4% 0.7%
+13.4% YoY
 0.8%
+109.8% YoY
 0.7%
+273.4% YoY
 Top 13.8% in tier
NIM 2.6%
-0.6% YoY+0.7% QoQ
 -0.7% 3.3%
+9.3% YoY
 3.1%
+10.9% YoY
 3.7%
+5.0% YoY
 Bottom 13.8% in tier
Efficiency Ratio 65.4%
-1.8% YoY-4.0% QoQ
 -8.6% 74.0%
-10.9% YoY
 73.4%
-6.7% YoY
 79.1%
-3.3% YoY
 Bottom 17.8% in tier
Delinquency Rate 1.4%
+39.5% YoY+8.9% QoQ
 +0.6 0.8%
+6.1% YoY
 1.2%
-0.3% YoY
 1.2%
-0.9% YoY
 Top 12.8% in tier
Loan To Share 49.3%
-3.9% YoY+0.3% QoQ
 -35.9% 85.2%
-0.8% YoY
 55.2%
-1.0% YoY
 68.0%
-1.7% YoY
 Bottom 1.3% in tier
AMR $25,046
+9.7% YoY+1.7% QoQ
 $-4K $29,172
+2.8% YoY
 $22,988
+5.6% YoY
 $19,418
+1.3% YoY
 34th in tier
CD Concentration 30.5%
+25.5% YoY+4.6% QoQ
 +1.6% 29.0%
+0.8% YoY
 23.5%
+10.2% YoY
 19.6%
+6.2% YoY
 59th in tier
Indirect Auto % 6.7%
-5.6% YoY-4.1% QoQ
 -12.1% 18.8%
-2.8% YoY
 5.1%
-6.8% YoY
 7.9%
-2.9% YoY
 28th in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#22 of 184 • Top 4.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.15%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 3.04%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Wallet Share Momentum

growth
#34 of 264 • Top 4.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.75%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Engine

growth
#54 of 246 • Top 7.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.04%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.15%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 6.66%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Relationship Depth Leader

growth
#72 of 264 • Top 9.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 9.75%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Leader

growth
#76 of 138 • Top 19.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.04%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Concerns (2)

Growth-at-Risk

risk
#15 of 161 • Bottom 2.5% in tier

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

Why This Signature
Loan Growth (YoY): 10.14%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.39% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk
#33 of 217 • Bottom 4.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.39% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | 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)

Comparing against 304 peers in tier

Top Strengths (7 metrics)

13
Asset Growth Rate
growth
Value: 14.49%
Peer Avg: 4.83%
#13 of 304 Top 3.9% in 1B-3B tier
16
Deposit Growth Rate
growth
Value: 14.60%
Peer Avg: 5.58%
#16 of 304 Top 4.9% in 1B-3B tier
30
AMR Growth Rate
growth
Value: 9.75%
Peer Avg: 3.29%
#30 of 304 Top 9.5% in 1B-3B tier
42
Return on Assets (ROA)
profitability
Value: 1.15%
Peer Avg: 0.70%
#42 of 304 Top 13.5% in 1B-3B tier
46
Members Per Employee (MPE)
engagement
Value: 439.016
Peer Avg: 364.953
#46 of 304 Top 14.8% in 1B-3B tier
55
Efficiency Ratio
profitability
Value: 65.37%
Peer Avg: 73.97%
#55 of 304 Top 17.8% in 1B-3B tier
59
Loan Growth Rate
growth
Value: 10.14%
Peer Avg: 5.27%
#59 of 304 Top 19.1% in 1B-3B tier

Top Weaknesses (10 metrics)

301
Total Loans
balance_sheet
Value: $457.44M
Peer Avg: $1.23B
#301 of 304 Bottom 1.3% in 1B-3B tier
300
Loan-to-Share Ratio
balance_sheet
Value: 49.29%
Peer Avg: 85.19%
#300 of 304 Bottom 1.6% in 1B-3B tier
294
Total Assets
balance_sheet
Value: $1.03B
Peer Avg: $1.72B
#294 of 304 Bottom 3.6% in 1B-3B tier
287
Loan-to-Member Ratio (LMR)
engagement
Value: $8,270
Peer Avg: $13,213
#287 of 304 Bottom 5.9% in 1B-3B tier
273
Total Members
engagement
Value: 55,316
Peer Avg: 98,678
#273 of 304 Bottom 10.5% in 1B-3B tier
269
Total Deposits
balance_sheet
Value: $928.03M
Peer Avg: $1.45B
#269 of 304 Bottom 11.8% in 1B-3B tier
266
Total Delinquency Rate (60+ days)
risk
Value: 1.38%
Peer Avg: 0.83%
#266 of 304 Bottom 12.8% in 1B-3B tier
266
First Mortgage Concentration (%)
balance_sheet
Value: 50.27%
Peer Avg: 34.01%
#266 of 304 Bottom 12.8% in 1B-3B tier
262
Net Interest Margin (NIM)
profitability
Value: 2.58%
Peer Avg: 3.26%
#262 of 304 Bottom 14.1% in 1B-3B tier
258
Net Worth Ratio
risk
Value: 9.18%
Peer Avg: 11.44%
#258 of 304 Bottom 15.5% in 1B-3B tier