BlastPoint's Credit Union Scorecard
HEALTHCARE SYSTEMS
Charter #24564 · VA
HEALTHCARE SYSTEMS has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 5.78% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 6.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,911
+0.9% YoY+0.4% QoQ
|
-1.2K |
15,145
-2.5% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
53% |
| Assets |
$137.5M
-0.3% YoY+0.2% QoQ
|
$-94.2M |
$231.7M
+0.8% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$73.4M
+1.2% YoY+0.8% QoQ
|
$-70.8M |
$144.1M
+0.2% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$122.7M
-1.1% YoY+0.5% QoQ
|
$-78.4M |
$201.1M
+0.4% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
0.4%
-6.2% YoY-1.5% QoQ
|
-0.3% |
0.7%
+5.1% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
3.5%
+3.7% YoY-0.4% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
83.8%
+0.5% YoY-0.8% QoQ
|
+5.8% |
78.0%
-1.7% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
68% |
| Delinquency Rate |
0.4%
-34.8% YoY-21.4% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
34% |
| Loan To Share |
59.8%
+2.4% YoY+0.3% QoQ
|
-10.6% |
70.4%
-0.4% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$14,096
-1.1% YoY+0.2% QoQ
|
$-11K |
$24,918
+2.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.4% in tier |
| CD Concentration |
16.1%
+89.3% YoY+0.2% QoQ
|
-8.2% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)