BlastPoint's Credit Union Scorecard
HEMA
Charter #19514 · MD
HEMA has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.32% above tier average
- + Members Per Employee (MPE): Top 2.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 31.46% above tier (higher cost structure)
- - Member decline: -4.5% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,787
-4.5% YoY-0.1% QoQ
|
-889 |
2,676
+1.6% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$16.8M
-3.8% YoY+2.1% QoQ
|
$-13.4M |
$30.2M
+1.3% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$6.9M
-4.1% YoY-4.9% QoQ
|
$-8.3M |
$15.3M
-2.0% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
42% |
| Deposits |
$15.1M
-4.5% YoY+2.2% QoQ
|
$-10.7M |
$25.8M
+0.7% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
45% |
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| ROA |
0.5%
+251.8% YoY+157.7% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
43% |
| NIM |
3.1%
+15.0% YoY+2.0% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
122.1%
+28.0% YoY+29.4% QoQ
|
+31.5% |
90.6%
+6.5% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate |
0.8%
-33.2% YoY+19.7% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
56% |
| Loan To Share |
46.0%
+0.4% YoY-7.0% QoQ
|
-12.6% |
58.5%
-3.0% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$12,349
+0.2% YoY-0.1% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
41% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.7% | 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)