BlastPoint's Credit Union Scorecard
HANIN
Charter #24549 · CA
HANIN has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.87% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.7% in tier
- + AMR Growth Rate: Top 1.1% in tier
- + Loan-to-Member Ratio (LMR): Top 4.9% in tier
- + Average Member Relationship (AMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Efficiency ratio 8.13% above tier (higher cost structure)
- - Member decline: -32.3% YoY
- - Share Certificate Concentration (%): Bottom 0.3% in tier
- - Member Growth Rate: Bottom 1.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,330
-32.3% YoY-0.2% QoQ
|
-285 |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$35.6M
-5.3% YoY-4.8% QoQ
|
+$5.5M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$27.6M
-12.7% YoY-2.6% QoQ
|
+$11.8M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$30.9M
-5.5% YoY-4.5% QoQ
|
+$5.2M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
0.6%
-13.3% YoY-15.1% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
4.8%
+3.0% YoY+3.6% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
90.7%
+0.4% YoY+2.3% QoQ
|
+8.1% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.4%
+50.7% YoY+4.9% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
89.3%
-7.6% YoY+2.0% QoQ
|
+28.6% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 10.7% in tier |
| AMR |
$25,088
+34.5% YoY-3.4% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 8.0% in tier |
| CD Concentration |
76.6%
-1.5% YoY-0.2% QoQ
|
+52.1% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)