BlastPoint's Credit Union Scorecard
HEALTHCARE EMPLOYEES
Charter #24150 · NJ
HEALTHCARE EMPLOYEES has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 22.7% in tier
- + ROA 0.95% above tier average
- + Net Interest Margin 1.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.2% in tier
- + Share Certificate Concentration (%): Top 4.0% in tier
- + First Mortgage Concentration (%): Top 8.0% in tier
- + Loan Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 10.9% in tier
- - Credit Quality Pressure: Bottom 22.0% in tier
- - Deposit Outflow: Bottom 55.0% in tier
- - Fee Income Per Member: Bottom 3.1% in tier
- - Average Member Relationship (AMR): Bottom 4.5% in tier
- - Deposit Growth Rate: Bottom 5.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,601
+0.3% YoY+4.3% QoQ
|
-1.0K |
15,628
-3.4% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
55% |
| Assets |
$129.1M
-1.6% YoY-2.0% QoQ
|
$-102.2M |
$231.3M
-0.0% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$79.1M
+12.4% YoY+0.8% QoQ
|
$-68.7M |
$147.8M
-1.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$112.4M
-3.5% YoY-2.3% QoQ
|
$-87.9M |
$200.3M
-0.0% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
1.7%
+71.6% YoY+27.0% QoQ
|
+0.9% |
0.8%
+15.5% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Top 6.5% in tier |
| NIM |
4.6%
+25.4% YoY+6.1% QoQ
|
+1.0% |
3.6%
+6.9% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
Top 7.5% in tier |
| Efficiency Ratio |
64.7%
-14.4% YoY-6.4% QoQ
|
-12.5% |
77.3%
-3.0% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 15.0% in tier |
| Delinquency Rate |
0.4%
+20.0% YoY+46.4% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
29% |
| Loan To Share |
70.4%
+16.5% YoY+3.1% QoQ
|
-2.3% |
72.7%
-1.5% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
41% |
| AMR |
$13,115
+2.2% YoY-5.1% QoQ
|
$-11K |
$24,363
+2.9% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.5% in tier |
| CD Concentration |
3.9%
+117.2% YoY+56.2% QoQ
|
-20.5% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)