HEMA
Charter #19514 | MD
<100M
(2596 CUs)
Micro
($0-$500M)
28 <100M in MD
HEMA has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.5% in tier
- + Net Charge-Off Rate: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 12.33% above tier (higher cost structure)
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,837
-2.6% YoY-0.5% QoQ
|
-788 |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
48th in tier |
| Assets |
$17.0M
-4.1% YoY-2.0% QoQ
|
$-12.9M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
44th in tier |
| Loans |
$7.5M
+7.3% YoY-0.3% QoQ
|
$-8.3M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
43rd in tier |
| Deposits |
$15.3M
-4.7% YoY-2.2% QoQ
|
$-10.1M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
46th in tier |
| ROA |
0.2%
-281.1% YoY-28.1% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 23.7% in tier |
| NIM |
3.0%
+18.5% YoY+4.5% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 17.1% in tier |
| Efficiency Ratio |
93.7%
-7.0% YoY+3.1% QoQ
|
+12.3% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
Top 18.0% in tier |
| Delinquency Rate |
0.6%
-42.3% YoY+13.8% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
47th in tier |
| Loan To Share |
48.8%
+12.6% YoY+2.0% QoQ
|
-12.4% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
31st in tier |
| AMR |
$12,407
+1.6% YoY-1.1% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
42nd in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
39
Members Per Employee (MPE)
engagement
Value:
918.500
Peer Avg: 365.701
#39 of 2596
Top 1.5% in <100M tier
64
Net Charge-Off Rate
risk
Value:
-0.22%
Peer Avg: 0.57%
#64 of 2596
Top 2.4% in <100M tier
397
Loan Growth Rate
growth
Value:
7.31%
Peer Avg: 59.01%
#397 of 2596
Top 15.3% in <100M tier
Top Weaknesses (7 metrics)
2205
Net Worth Ratio
risk
Value:
9.75%
Peer Avg: 16.43%
#2205 of 2596
Bottom 15.1% in <100M tier
2151
Net Interest Margin (NIM)
profitability
Value:
2.97%
Peer Avg: 3.93%
#2151 of 2596
Bottom 17.2% in <100M tier
2151
Asset Growth Rate
growth
Value:
-4.09%
Peer Avg: 1.82%
#2151 of 2596
Bottom 17.2% in <100M tier
2129
Efficiency Ratio
profitability
Value:
93.72%
Peer Avg: 81.39%
#2129 of 2596
Bottom 18.0% in <100M tier
2122
Deposit Growth Rate
growth
Value:
-4.71%
Peer Avg: 16.80%
#2122 of 2596
Bottom 18.3% in <100M tier
2017
Fee Income Per Member
profitability
Value:
$14.19
Peer Avg: $182.96
#2017 of 2596
Bottom 22.3% in <100M tier
1981
Return on Assets (ROA)
profitability
Value:
0.20%
Peer Avg: 0.68%
#1981 of 2596
Bottom 23.7% in <100M tier