BlastPoint's Credit Union Scorecard
HEALTHCARE PLUS
Charter #23371 · SD
HEALTHCARE PLUS has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Total Loans: Top 3.7% in tier
- + Loan-to-Member Ratio (LMR): Top 6.5% in tier
- + Loan-to-Share Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 5.7% in tier
- - Net Worth Ratio: Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,106
+2.4% YoY+1.0% QoQ
|
+2.5K |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
Top 13.1% in tier |
| Assets |
$67.6M
-3.1% YoY+1.9% QoQ
|
+$37.4M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
Top 13.7% in tier |
| Loans |
$54.6M
+7.5% YoY+1.0% QoQ
|
+$38.8M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
Top 3.7% in tier |
| Deposits |
$60.0M
-4.3% YoY+3.2% QoQ
|
+$34.3M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
Top 12.4% in tier |
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| ROA |
0.8%
+394.0% YoY-0.0% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
3.5%
+32.8% YoY+2.1% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
77.6%
-15.4% YoY+0.7% QoQ
|
-4.9% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.8%
+0.1% YoY-28.1% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
90.9%
+12.3% YoY-2.2% QoQ
|
+30.3% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
Top 9.3% in tier |
| AMR |
$22,439
-1.5% YoY+1.1% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
Top 13.3% in tier |
| CD Concentration |
34.8%
-1.0% YoY+0.1% QoQ
|
+10.4% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % |
19.6%
+2.3% YoY+7.4% QoQ
|
+5.8% | 13.8% | 8.0% | 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)