BlastPoint's Credit Union Scorecard
HEALTHCARE PLUS
Charter #23371 · SD
HEALTHCARE PLUS has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.27% above tier average
- + Total Loans: Top 3.0% in tier
- + Loan-to-Member Ratio (LMR): Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 5.7% in tier
- - Net Worth Ratio: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,041
+0.9% YoY-1.3% QoQ
|
+2.4K |
2,676
+1.6% YoY
|
10,664
+2.0% YoY
|
33,913
+5.7% YoY
|
Top 13.1% in tier |
| Assets |
$69.7M
+3.1% YoY+3.2% QoQ
|
+$39.5M |
$30.2M
+1.3% YoY
|
$187.1M
+4.6% YoY
|
$578.3M
+9.0% YoY
|
Top 12.4% in tier |
| Loans |
$54.6M
+7.1% YoY+0.0% QoQ
|
+$39.3M |
$15.3M
-2.0% YoY
|
$124.5M
+2.5% YoY
|
$402.4M
+8.7% YoY
|
Top 3.1% in tier |
| Deposits |
$62.8M
+1.8% YoY+4.6% QoQ
|
+$37.0M |
$25.8M
+0.7% YoY
|
$165.7M
+4.9% YoY
|
$494.3M
+9.1% YoY
|
Top 10.8% in tier |
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| ROA |
0.4%
+54.2% YoY-45.5% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.9%
-399.1% YoY
|
0.4%
-39.2% YoY
|
41% |
| NIM |
3.5%
+17.6% YoY+2.7% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
4.0%
+2.7% YoY
|
3.8%
+4.1% YoY
|
38% |
| Efficiency Ratio |
76.6%
-10.0% YoY-1.4% QoQ
|
-14.1% |
90.6%
+6.5% YoY
|
79.0%
-5.2% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate |
1.0%
+20.1% YoY+21.9% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
0.9%
+21.4% YoY
|
1.2%
+3.4% YoY
|
64% |
| Loan To Share |
87.0%
+5.2% YoY-4.4% QoQ
|
+28.4% |
58.5%
-3.0% YoY
|
70.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 10.5% in tier |
| AMR |
$23,276
+3.3% YoY+3.7% QoQ
|
+$8K |
$14,884
-1.7% YoY
|
$21,889
+2.4% YoY
|
$19,920
+1.6% YoY
|
Top 11.8% in tier |
| CD Concentration |
35.6%
+5.6% YoY+2.1% QoQ
|
+11.3% | 24.3% | 28.7% | 19.8% | 50% |
| Indirect Auto % |
19.0%
-0.4% YoY-2.7% QoQ
|
+5.2% | 13.8% | 7.9% | 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)