BlastPoint's Credit Union Scorecard
HEALTHCARE EMPLOYEES
Charter #24150 · NJ
HEALTHCARE EMPLOYEES has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.86% above tier average
- + Net Interest Margin 1.96% above tier average
- + Strong member growth: 6.6% YoY
- + Members Per Employee (MPE): Top 1.8% in tier
- + Member Growth Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Fee Income Per Member: Bottom 0.8% in tier
- - Average Member Relationship (AMR): Bottom 4.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in New Jersey.
- Shares and deposits +3.5% year over year ($119M in shares and deposits).
- Membership: 14,931 members, +6.6% vs a year ago.
- Delinquency rate 0.62%.
- Return on assets 1.72%.
- Efficiency ratio 61.47% vs a 76.73% peer average.
- Loan-to-share ratio 70.52% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,931
+6.6% YoY+0.9% QoQ
|
-237 |
15,168
-2.6% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
59% |
| Assets |
$137.2M
+4.1% YoY+1.9% QoQ
|
$-94.8M |
$232.0M
+0.7% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$83.9M
+6.9% YoY+1.8% QoQ
|
$-62.4M |
$146.3M
+0.2% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$119.0M
+3.5% YoY+1.9% QoQ
|
$-81.7M |
$200.7M
+0.2% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
23% |
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| ROA |
1.7%
+26.3% YoY-19.2% QoQ
|
+0.9% |
0.9%
+12.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Top 7.3% in tier |
| NIM |
5.6%
+30.1% YoY-10.8% QoQ
|
+2.0% |
3.7%
+4.5% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
Top 0.7% in tier |
| Efficiency Ratio |
61.5%
-11.1% YoY+2.9% QoQ
|
-15.3% |
76.7%
-0.8% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Top 10.1% in tier |
| Delinquency Rate |
0.6%
+121.3% YoY+106.4% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
70.5%
+3.3% YoY-0.1% QoQ
|
-1.0% |
71.5%
-0.3% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
45% |
| AMR |
$13,589
-1.7% YoY+0.9% QoQ
|
$-12K |
$25,107
+3.2% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.5% in tier |
| CD Concentration |
9.1%
+261.6% YoY+7.6% QoQ
|
-15.5% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 7.7% | 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 (<15%). Healthy, sustainable growth model.
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)