BlastPoint's Credit Union Scorecard
HAXTUN COMMUNITY
Charter #2794 · CO
HAXTUN COMMUNITY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 2.19% below tier average
- - Efficiency ratio 39.62% above tier (higher cost structure)
- - Delinquency rate 0.21% above tier average
- - Net Worth Ratio: Bottom 0.7% in tier
- - Asset Growth Rate: Bottom 2.1% in tier
- - Deposit Growth Rate: Bottom 3.4% in tier
- - AMR Growth Rate: Bottom 4.6% in tier
- - Members Per Employee (MPE): Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
715
-0.6% YoY0% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$5.3M
-14.0% YoY-6.8% QoQ
|
$-24.5M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$4.6M
-13.7% YoY+1.7% QoQ
|
$-11.1M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
32% |
| Deposits |
$5.0M
-14.4% YoY-8.1% QoQ
|
$-20.5M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
23% |
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| ROA |
-1.5%
+34.3% YoY-6.6% QoQ
|
-2.2% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.1% in tier |
| NIM |
5.2%
+15.5% YoY+5.0% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
Top 11.2% in tier |
| Efficiency Ratio |
121.0%
+1.5% YoY+0.4% QoQ
|
+39.6% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Top 4.2% in tier |
| Delinquency Rate |
1.7%
-40.4% YoY+38.4% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
93.3%
+0.7% YoY+10.6% QoQ
|
+32.1% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
Top 8.4% in tier |
| AMR |
$13,455
-13.6% YoY-3.6% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
21.7%
-18.2% YoY-14.9% QoQ
|
-2.7% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
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)