BlastPoint's Credit Union Scorecard
HEMA
Charter #19514 · 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
|
48% |
| 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
|
44% |
| 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
|
43% |
| 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
|
46% |
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| 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
|
24% |
| 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
|
17% |
| 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
|
82% |
| 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
|
47% |
| 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
|
31% |
| 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
|
42% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
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)