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
- + Net Charge-Off Rate: Top 1.8% in tier
- + Members Per Employee (MPE): Top 1.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Efficiency ratio 11.81% above tier (higher cost structure)
- - Member decline: -4.5% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,789
-4.5% YoY-2.6% QoQ
|
-826 |
2,615
-1.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$16.5M
-3.7% YoY-3.0% QoQ
|
$-13.7M |
$30.1M
+2.1% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$7.3M
+3.2% YoY-2.2% QoQ
|
$-8.5M |
$15.8M
-1.3% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$14.8M
-4.3% YoY-3.4% QoQ
|
$-10.9M |
$25.7M
+1.4% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
0.2%
-326.2% YoY-7.2% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
3.1%
+17.6% YoY+3.6% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
94.4%
-5.7% YoY+0.7% QoQ
|
+11.8% |
82.6%
-2.3% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.6%
-43.7% YoY+8.2% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
49.4%
+7.8% YoY+1.2% QoQ
|
-11.2% |
60.6%
-3.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$12,357
+2.7% YoY-0.4% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.3% | 7.8% | 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)