BlastPoint's Credit Union Scorecard
HFS
Charter #1829 · HI
HFS has 7 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
- + Wallet Share Momentum: Top 14.7% in tier
- + Organic Growth Engine: Top 39.5% in tier
- + Organic Growth Leader: Top 39.5% in tier
- + Emerging Performer: Top 39.9% in tier
- + ROA 0.07% above tier average
- + Asset Growth Rate: Top 8.8% in tier
- + Deposit Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.9% in tier
- - Credit Risk Growth: Bottom 38.7% in tier
- - Margin Compression: Bottom 39.9% in tier
- - Delinquency rate 0.33% above tier average
- - Loan-to-Share Ratio: Bottom 1.6% in tier
- - Total Loans: Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
55,975
+3.1% YoY+0.8% QoQ
|
-40.1K |
96,048
-2.7% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
Bottom 11.1% in tier |
| Assets |
$1.1B
+12.8% YoY+2.4% QoQ
|
$-620.2M |
$1.7B
+0.4% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.1% in tier |
| Loans |
$468.2M
+7.2% YoY+0.9% QoQ
|
$-745.5M |
$1.2B
+0.2% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.6% in tier |
| Deposits |
$992.1M
+13.1% YoY+2.4% QoQ
|
$-473.4M |
$1.5B
+0.5% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
0.8%
-13.6% YoY-27.3% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
61% |
| NIM |
2.7%
+6.5% YoY+6.9% QoQ
|
-0.6% |
3.4%
+6.2% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.4% in tier |
| Efficiency Ratio |
67.2%
-4.8% YoY+3.2% QoQ
|
-7.4% |
74.6%
-3.0% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
19% |
| Delinquency Rate |
1.1%
+54.0% YoY-23.3% QoQ
|
+0.3 |
0.8%
+6.9% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
47.2%
-5.2% YoY-1.4% QoQ
|
-36.0% |
83.2%
-0.4% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.3% in tier |
| AMR |
$26,089
+7.8% YoY+1.1% QoQ
|
$-4K |
$29,652
+2.3% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration |
31.2%
+15.2% YoY-2.5% QoQ
|
+2.3% | 28.8% | 24.4% | 19.8% | 62% |
| Indirect Auto % |
6.1%
-15.6% YoY-4.9% QoQ
|
-12.0% | 18.1% | 4.9% | 7.7% | 28% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)