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 0.09% above tier average
- + Total Loans: Top 3.8% in tier
- + Loan-to-Member Ratio (LMR): Top 6.4% in tier
- + Loan-to-Share Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 6.4% in tier
- - Net Worth Ratio: Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,057
+1.4% YoY+0.6% QoQ
|
+2.4K |
2,625
-2.2% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
Top 13.6% in tier |
| Assets |
$66.3M
-3.4% YoY-0.5% QoQ
|
+$36.4M |
$29.9M
+1.1% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
Top 13.8% in tier |
| Loans |
$54.0M
+8.7% YoY+3.4% QoQ
|
+$38.3M |
$15.8M
-2.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
Top 3.9% in tier |
| Deposits |
$58.2M
-5.8% YoY-3.8% QoQ
|
+$32.7M |
$25.5M
+0.4% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
Top 12.7% in tier |
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| ROA |
0.8%
+3393.9% YoY+28.1% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
50% |
| NIM |
3.4%
+34.9% YoY+5.5% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
30% |
| Efficiency Ratio |
77.1%
-19.2% YoY-1.5% QoQ
|
-4.3% |
81.4%
-2.4% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
47% |
| Delinquency Rate |
1.2%
+118.3% YoY+100.3% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
65% |
| Loan To Share |
92.9%
+15.5% YoY+7.4% QoQ
|
+31.7% |
61.2%
-3.0% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Top 8.7% in tier |
| AMR |
$22,187
-0.7% YoY-1.1% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
Top 13.5% in tier |
| CD Concentration |
34.8%
-2.9% YoY+0.8% QoQ
|
+10.4% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
18.2%
-11.1% YoY-0.3% QoQ
|
+4.2% |
14.0%
-5.7% YoY
|
7.9%
+0.1% 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)