BlastPoint's Credit Union Scorecard
HANIN
Charter #24549 · CA
HANIN has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.69% above tier average
- + Net Interest Margin 1.68% above tier average
- + Fee Income Per Member: Top 0.9% in tier
- + AMR Growth Rate: Top 1.5% in tier
- + Loan-to-Share Ratio: Top 3.1% in tier
- + Loan-to-Member Ratio (LMR): Top 4.2% in tier
- + Average Member Relationship (AMR): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -34.1% YoY
- - Share Certificate Concentration (%): Bottom 0.4% in tier
- - Member Growth Rate: Bottom 0.7% in tier
- - Asset Growth Rate: Bottom 1.6% in tier
- - Deposit Growth Rate: Bottom 1.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,228
-34.1% YoY-4.4% QoQ
|
-448 |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
57% |
| Assets |
$31.7M
-16.9% YoY-10.9% QoQ
|
+$1.5M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
61% |
| Loans |
$27.0M
-11.1% YoY-2.1% QoQ
|
+$11.7M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
80% |
| Deposits |
$27.0M
-18.7% YoY-12.7% QoQ
|
+$1.2M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
61% |
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| ROA |
0.8%
-6.2% YoY+50.5% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
62% |
| NIM |
5.7%
+15.4% YoY+18.0% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Top 5.2% in tier |
| Efficiency Ratio |
85.2%
-2.0% YoY-6.0% QoQ
|
-5.4% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
58% |
| Delinquency Rate |
1.4%
+68.4% YoY-2.1% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
100.1%
+9.4% YoY+12.1% QoQ
|
+41.6% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Top 3.2% in tier |
| AMR |
$24,225
+29.0% YoY-3.4% QoQ
|
+$9K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 10.0% in tier |
| CD Concentration |
73.5%
-8.2% YoY-3.9% QoQ
|
+49.3% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 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)