BlastPoint's Credit Union Scorecard
HEALTHCARE EMPLOYEES
Charter #24150 · NJ
HEALTHCARE EMPLOYEES has 9 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.2% in tier
- + Emerging Performer: Top 14.4% in tier
- + Organic Growth Leader: Top 34.8% in tier
- + ROA 0.99% above tier average
- + Net Interest Margin 1.09% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.2% in tier
- + Share Certificate Concentration (%): Top 5.1% in tier
- + First Mortgage Concentration (%): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 38.5% in tier
- - Credit Quality Pressure: Bottom 40.2% in tier
- - Shrinking Wallet Share: Bottom 61.8% in tier
- - Deposit Outflow: Bottom 83.8% in tier
- - Fee Income Per Member: Bottom 2.4% in tier
- - Average Member Relationship (AMR): Bottom 4.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,774
+3.5% YoY+1.2% QoQ
|
-663 |
15,437
-2.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$130.5M
+0.4% YoY+1.1% QoQ
|
$-101.4M |
$231.9M
+1.3% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$77.7M
+6.1% YoY-1.8% QoQ
|
$-69.7M |
$147.3M
-0.1% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$113.1M
-1.6% YoY+0.6% QoQ
|
$-87.7M |
$200.8M
+0.8% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
1.8%
+71.5% YoY+1.1% QoQ
|
+1.0% |
0.8%
+18.2% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Top 5.0% in tier |
| NIM |
4.7%
+24.8% YoY+2.1% QoQ
|
+1.1% |
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 6.4% in tier |
| Efficiency Ratio |
64.8%
-13.6% YoY+0.2% QoQ
|
-12.2% |
77.0%
-3.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.8% in tier |
| Delinquency Rate |
0.5%
+99.3% YoY+28.8% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
68.7%
+7.9% YoY-2.4% QoQ
|
-3.5% |
72.2%
-1.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$12,909
-2.0% YoY-1.6% QoQ
|
$-12K |
$24,676
+3.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.9% in tier |
| CD Concentration |
5.7%
+139.1% YoY+44.5% QoQ
|
-18.8% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)