BlastPoint's Credit Union Scorecard
HEALTHCARE PLUS
Charter #23371 · SD
HEALTHCARE PLUS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 3.2% in tier
- + Loan-to-Member Ratio (LMR): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.20% below tier average
- - Delinquency rate 0.26% above tier average
- - Indirect Auto Concentration (%): Bottom 5.8% in tier
- - Net Worth Ratio: Bottom 6.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in South Dakota.
- Shares and deposits +4.5% year over year ($63.1M in shares and deposits).
- Membership: 5,037 members, +0.2% vs a year ago.
- Delinquency rate 1.80%.
- Return on assets 0.29%.
- Efficiency ratio 76.92% vs a 88.77% peer average.
- Loan-to-share ratio 88.03% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,037
+0.2% YoY-0.1% QoQ
|
+2.5K |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
Top 13.3% in tier |
| Assets |
$70.4M
+5.6% YoY+0.9% QoQ
|
+$40.1M |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
Top 12.3% in tier |
| Loans |
$55.6M
+6.3% YoY+1.9% QoQ
|
+$40.1M |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
Top 3.2% in tier |
| Deposits |
$63.1M
+4.5% YoY+0.6% QoQ
|
+$37.3M |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
Top 10.6% in tier |
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| ROA |
0.3%
-52.1% YoY-31.5% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
3.5%
+9.9% YoY-0.6% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
35% |
| Efficiency Ratio |
76.9%
-1.7% YoY+0.5% QoQ
|
-11.8% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
41% |
| Delinquency Rate |
1.8%
+213.7% YoY+78.7% QoQ
|
+0.3 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
88.0%
+1.7% YoY+1.2% QoQ
|
+29.1% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
Top 11.0% in tier |
| AMR |
$23,573
+5.1% YoY+1.3% QoQ
|
+$9K |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 11.7% in tier |
| CD Concentration |
36.4%
+5.5% YoY+2.4% QoQ
|
+11.9% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % |
18.6%
+1.6% YoY-2.6% QoQ
|
+4.9% | 13.6% | 8.1% | 7.7% | 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)