BlastPoint's Credit Union Scorecard
HEALTHCARE EMPLOYEES
Charter #24150 · NJ
HEALTHCARE EMPLOYEES has 8 strengths but faces 2 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 1.41% above tier average
- + Net Interest Margin 2.70% above tier average
- + Strong member growth: 5.3% YoY
- + Members Per Employee (MPE): Top 1.4% in tier
- + Share Certificate Concentration (%): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 0.4% in tier
- - Average Member Relationship (AMR): Bottom 4.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,802
+5.3% YoY+0.2% QoQ
|
-343 |
15,145
-2.5% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
58% |
| Assets |
$134.7M
+2.2% YoY+3.2% QoQ
|
$-97.1M |
$231.7M
+0.8% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$82.4M
+10.0% YoY+6.2% QoQ
|
$-61.7M |
$144.1M
+0.2% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$116.8M
+1.4% YoY+3.3% QoQ
|
$-84.3M |
$201.1M
+0.4% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
2.1%
+52.3% YoY+21.8% QoQ
|
+1.4% |
0.7%
+5.1% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
Top 2.6% in tier |
| NIM |
6.3%
+55.7% YoY+34.8% QoQ
|
+2.7% |
3.6%
+4.6% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Top 0.3% in tier |
| Efficiency Ratio |
59.7%
-13.6% YoY-7.9% QoQ
|
-18.3% |
78.0%
-1.7% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
Top 8.3% in tier |
| Delinquency Rate |
0.3%
-37.4% YoY-43.1% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
22% |
| Loan To Share |
70.6%
+8.5% YoY+2.8% QoQ
|
+0.2% |
70.4%
-0.4% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
48% |
| AMR |
$13,461
-0.5% YoY+4.3% QoQ
|
$-11K |
$24,918
+2.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.4% in tier |
| CD Concentration |
8.4%
+234.4% YoY+48.9% QoQ
|
-15.8% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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 (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)