BlastPoint's Credit Union Scorecard

HSM

Charter #22740 · NC

<100M

2508 CUs in <100M nationally 31 in NC

HSM has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.93% above tier average
+ Net Interest Margin 2.21% above tier average

Key Concerns

Areas that may need attention

- Average Member Relationship (AMR): Bottom 6.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	2,137 -1.7% YoY-1.1% QoQ	-539	2,676 +1.6% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	55%
Assets	$5.8M -0.1% YoY+1.4% QoQ	$-24.4M	$30.2M +1.3% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	22%
Loans	$4.2M -0.8% YoY-0.5% QoQ	$-11.1M	$15.3M -2.0% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	30%
Deposits	$4.9M -2.2% YoY+0.4% QoQ	$-20.9M	$25.8M +0.7% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	22%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.1% -173.1% YoY-486.6% QoQ	+0.9%	0.1% -77.6% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	72%
NIM	6.2% -1.3% YoY-3.2% QoQ	+2.2%	4.0% +4.0% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	Top 3.2% in tier
Efficiency Ratio	86.6% -6.1% YoY-0.3% QoQ	-4.1%	90.6% +6.5% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	0.6% +3.0% YoY-24.3% QoQ	-0.9	1.5% +3.8% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	49%
Loan To Share	85.7% +1.5% YoY-0.9% QoQ	+27.2%	58.5% -3.0% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	Top 11.6% in tier
AMR	$4,250 +0.1% YoY+1.0% QoQ	$-11K	$14,884 -1.7% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	Bottom 6.7% in tier
CD Concentration	26.8% +10.9% YoY+0.1% QoQ	+2.6%	24.3%	21.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.9%	7.7%	50%

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Net Interest Margin (NIM)

profitability

Value: 6.22%

Peer Median: 3.83%

#80 of 2508 Top 3.1% in <100M tier

289

Loan-to-Share Ratio

balance_sheet

Value: 85.73%

Peer Median: 58.72%

#289 of 2508 Top 11.5% in <100M tier

294

Members Per Employee (MPE)

engagement

Value: 534.250

Peer Median: 333.750

#294 of 2508 Top 11.7% in <100M tier

566

Fee Income Per Member

profitability

Value: $115.78

Peer Median: $60.42

#566 of 2508 Top 22.5% in <100M tier

Top Weaknesses (5 metrics)

2339

Average Member Relationship (AMR)

engagement

Value: $4,250

Peer Median: $13,926

#2339 of 2508 Bottom 6.8% in <100M tier

2183

Loan-to-Member Ratio (LMR)

engagement

Value: $1,962

Peer Median: $4,923

#2183 of 2508 Bottom 13.0% in <100M tier

1963

Total Assets

balance_sheet

Value: $5.80M

Peer Median: $21.86M

#1963 of 2508 Bottom 21.8% in <100M tier

1959

Share Certificate Concentration (%)

balance_sheet

Value: 26.84%

Peer Median: 12.45%

#1959 of 2508 Bottom 21.9% in <100M tier

1950

Total Deposits

balance_sheet

Value: $4.89M

Peer Median: $18.77M

#1950 of 2508 Bottom 22.3% in <100M tier