BlastPoint's Credit Union Scorecard
HSM
Charter #22740 · NC
HSM has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.47% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.90% below tier average
- - Efficiency ratio 4.24% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 4.7% in tier
- - Average Member Relationship (AMR): Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,160
-0.5% YoY0% QoQ
|
-455 |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$5.7M
+2.9% YoY+2.7% QoQ
|
$-24.4M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$4.2M
-5.2% YoY-0.6% QoQ
|
$-11.5M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$4.9M
+3.2% YoY+2.1% QoQ
|
$-20.8M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
-0.3%
-8.1% YoY-50.8% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.2% in tier |
| NIM |
6.4%
+4.1% YoY+0.0% QoQ
|
+2.5% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 2.3% in tier |
| Efficiency Ratio |
86.8%
+1.9% YoY-0.1% QoQ
|
+4.2% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.8%
-55.0% YoY-21.0% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
86.5%
-8.2% YoY-2.6% QoQ
|
+25.9% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Top 13.7% in tier |
| AMR |
$4,206
-0.4% YoY+0.9% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.4% in tier |
| CD Concentration |
26.8%
-2.6% YoY+0.1% QoQ
|
+2.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 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)