BlastPoint's Credit Union Scorecard
HFS
Charter #1829 · HI
HFS has 9 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 7.3% in tier
- + Organic Growth Leader: Top 19.1% in tier
- + Emerging Performer: Top 25.3% in tier
- + Wallet Share Momentum: Top 28.7% in tier
- + Profitability Leader: Top 62.8% 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
- - Credit Risk Growth: 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 |
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| 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
|
18% |
| 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
|
34% |
| CD Concentration |
30.5%
+25.5% YoY+4.6% QoQ
|
+1.6% |
29.0%
+0.7% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
59% |
| Indirect Auto % |
6.7%
-5.6% YoY-4.1% QoQ
|
-12.1% |
18.8%
-3.0% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
28% |
Signature Analysis
Strengths (5)
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 (<20%). 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.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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)