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 2.49% 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 1.25% below tier average
- - Efficiency ratio 5.49% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 4.1% in tier
- - Average Member Relationship (AMR): Bottom 6.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,160
-1.3% YoY-0.1% QoQ
|
-465 |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$5.6M
-2.5% YoY-2.5% QoQ
|
$-24.3M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$4.2M
-6.2% YoY+2.1% QoQ
|
$-11.5M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$4.8M
-1.6% YoY-2.1% QoQ
|
$-20.7M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
23% |
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| ROA |
-0.6%
-11.7% YoY+42.6% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.3% in tier |
| NIM |
6.4%
+4.0% YoY+2.7% QoQ
|
+2.5% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Top 2.7% in tier |
| Efficiency Ratio |
86.9%
+1.9% YoY-1.5% QoQ
|
+5.5% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
71% |
| Delinquency Rate |
1.1%
-26.1% YoY-34.0% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
63% |
| Loan To Share |
88.9%
-4.6% YoY+4.3% QoQ
|
+27.6% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 12.2% in tier |
| AMR |
$4,170
-2.5% YoY-0.1% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.8% in tier |
| CD Concentration |
26.8%
+8.4% YoY+4.4% QoQ
|
+2.4% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% 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)