BlastPoint's Credit Union Scorecard
HEALTHCARE SYSTEMS
Charter #24564 · VA
HEALTHCARE SYSTEMS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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
|
52% |
| 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
|
23% |
| 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
|
16% |
| 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
|
26% |
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| 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
|
22% |
| 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
|
41% |
| 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
|
76% |
| 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
|
44% |
| 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
|
21% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)