HEALTHCARE SYSTEMS

Charter #24564 | VA

100M-500M (1077 CUs) Micro ($0-$500M)

25 100M-500M in VA

HEALTHCARE SYSTEMS has 4 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 27.8% in tier
+ Wallet Share Momentum: Top 35.7% in tier
+ Relationship Depth Leader: Top 36.3% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 12.9% in tier
- Membership Headwinds: Bottom 28.4% in tier
- Institutional Decline: Bottom 32.0% in tier
- Stagnation Risk: Bottom 32.7% in tier
- ROA 0.43% below tier average
- Efficiency ratio 7.64% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 6.1% in tier
- Loan-to-Member Ratio (LMR): Bottom 6.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	13,865 -1.0% YoY+0.3% QoQ	-1.8K	15,628 -3.4% YoY	220,190 +7.3% YoY	33,089 +6.1% YoY	52nd in tier
Assets	$135.4M +1.1% YoY-1.8% QoQ	$-95.9M	$231.3M -0.0% YoY	$2.9B +6.5% YoY	$547.7M +7.8% YoY	Bottom 23.1% in tier
Loans	$71.7M -1.7% YoY-1.6% QoQ	$-76.1M	$147.8M -1.4% YoY	$2.1B +5.3% YoY	$388.7M +8.6% YoY	Bottom 16.3% in tier
Deposits	$120.6M +0.5% YoY-2.5% QoQ	$-79.6M	$200.3M -0.0% YoY	$2.4B +8.1% YoY	$464.6M +9.3% YoY	26th in tier
ROA	0.4% -38.2% YoY-16.3% QoQ	-0.4%	0.8% +15.5% YoY	0.7% +11.3% YoY	0.7% +273.4% YoY	Bottom 22.0% in tier
NIM	3.4% -1.5% YoY+1.7% QoQ	-0.1%	3.6% +6.9% YoY	3.9% +2.0% YoY	3.7% +5.0% YoY	41st in tier
Efficiency Ratio	84.9% +3.7% YoY+1.7% QoQ	+7.6%	77.3% -3.0% YoY	80.4% +0.4% YoY	79.1% -3.3% YoY	Top 23.7% in tier
Delinquency Rate	0.6% -18.9% YoY+1.5% QoQ	-0.3	0.9% +7.6% YoY	1.7% +32.7% YoY	1.2% -0.9% YoY	44th in tier
Loan To Share	59.4% -2.2% YoY+0.9% QoQ	-13.3%	72.7% -1.5% YoY	66.7% -4.2% YoY	68.0% -1.7% YoY	Bottom 20.9% in tier
AMR	$13,870 +0.7% YoY-2.4% QoQ	$-10K	$24,363 +2.9% YoY	$18,613 +1.9% YoY	$19,418 +1.3% YoY	Bottom 6.0% in tier
CD Concentration	16.3% +97.9% YoY-0.7% QoQ	-8.1%	24.4% +4.2% YoY	18.8% +3.1% YoY	19.6% +6.2% YoY	50th in tier
Indirect Auto %	0.0%	-14.0%	14.0% -5.8% YoY	9.7% -0.5% YoY	7.9% -2.9% YoY	50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth

#522 of 627 • Top 27.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature

Return on Assets: 0.36%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): -1.03%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

627 of 1077 Community CUs have this signature | 852 nationally

↑ Growing +13 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#985 of 1006 • Top 35.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature

AMR Growth (YoY): 0.69%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

1006 of 1077 Community CUs have this signature | 1330 nationally

↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth

#1002 of 1006 • Top 36.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature

AMR Growth (YoY): 0.69%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $1.5K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

1006 of 1077 Community CUs have this signature | 1330 nationally

↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#229 of 521 • Bottom 12.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.92%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.22% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Membership Headwinds

decline

#468 of 550 • Bottom 28.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline

#253 of 256 • Bottom 32.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $135.36M

(Tier: $231.30M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -1.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.72%

(Tier: 3.64%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Stagnation Risk

risk

#539 of 550 • Bottom 32.7% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature

Return on Assets: 0.36%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

Member Growth (YoY): -1.03%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Avg Member Relationship: $13.9K

(Tier: $25.0K, National: $19.4K)

worse than tier avg

CD Concentration: 16.28%

(Tier: 24.41%, National: 19.60%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: 13.34%

#1 of 1077 Top 0.0% in 100M-500M tier

111

First Mortgage Concentration (%)

balance_sheet

Value: 8.01%

Peer Avg: 30.43%

#111 of 1077 Top 10.2% in 100M-500M tier

167

Members Per Employee (MPE)

engagement

Value: 420.152

Peer Avg: 332.881

#167 of 1077 Top 15.4% in 100M-500M tier

Top Weaknesses (10 metrics)

1012

Average Member Relationship (AMR)

engagement

Value: $13,870

Peer Avg: $24,363

#1012 of 1077 Bottom 6.1% in 100M-500M tier

1004

Loan-to-Member Ratio (LMR)

engagement

Value: $5,169

Peer Avg: $10,245

#1004 of 1077 Bottom 6.9% in 100M-500M tier

901

Total Loans

balance_sheet

Value: $71.67M

Peer Avg: $147.80M

#901 of 1077 Bottom 16.4% in 100M-500M tier

889

Fee Income Per Member

profitability

Value: $105.01

Peer Avg: $174.31

#889 of 1077 Bottom 17.5% in 100M-500M tier

852

Loan-to-Share Ratio

balance_sheet

Value: 59.41%

Peer Avg: 72.70%

#852 of 1077 Bottom 21.0% in 100M-500M tier

840

Return on Assets (ROA)

profitability

Value: 0.36%

Peer Avg: 0.79%

#840 of 1077 Bottom 22.1% in 100M-500M tier

838

Deposit Growth Rate

growth

Value: 0.48%

Peer Avg: 4.69%

#838 of 1077 Bottom 22.3% in 100M-500M tier

828

Total Assets

balance_sheet

Value: $135.36M

Peer Avg: $231.30M

#828 of 1077 Bottom 23.2% in 100M-500M tier

823

Efficiency Ratio

profitability

Value: 84.92%

Peer Avg: 77.28%

#823 of 1077 Bottom 23.7% in 100M-500M tier

813

Net Charge-Off Rate

risk

Value: 0.63%

Peer Avg: 0.47%

#813 of 1077 Bottom 24.6% in 100M-500M tier