BlastPoint's Credit Union Scorecard

HIGHMARK

Charter #4122 · SD

100M-500M

1070 CUs in 100M-500M nationally 9 in SD

HIGHMARK has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

SD Analysis

How does SD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: 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
- Credit Quality Pressure: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- ROA 0.40% below tier average
- Efficiency ratio 8.59% above tier (higher cost structure)
- Delinquency rate 0.18% above tier average
- Net Worth Ratio: Bottom 1.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	13,724 +1.5% YoY+0.3% QoQ	-1.4K	15,145 -2.5% YoY	10,664 +2.0% YoY	33,913 +5.7% YoY	52%
Assets	$260.1M +2.5% YoY+0.5% QoQ	+$28.4M	$231.7M +0.8% YoY	$187.1M +4.6% YoY	$578.3M +9.0% YoY	66%
Loans	$192.5M -5.5% YoY-1.1% QoQ	+$48.3M	$144.1M +0.2% YoY	$124.5M +2.5% YoY	$402.4M +8.7% YoY	74%
Deposits	$237.7M +2.2% YoY+0.5% QoQ	+$36.5M	$201.1M +0.4% YoY	$165.7M +4.9% YoY	$494.3M +9.1% YoY	68%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -44.6% YoY-55.4% QoQ	-0.4%	0.7% +5.1% YoY	0.9% -399.1% YoY	0.4% -39.2% YoY	24%
NIM	3.7% -4.3% YoY-3.7% QoQ	+0.0%	3.6% +4.6% YoY	4.0% +2.7% YoY	3.8% +4.1% YoY	53%
Efficiency Ratio	86.6% +0.0% YoY+9.6% QoQ	+8.6%	78.0% -1.7% YoY	79.0% -5.2% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	1.0% +15.5% YoY+22.0% QoQ	+0.2	0.8% +7.1% YoY	0.9% +21.4% YoY	1.2% +3.4% YoY	74%
Loan To Share	81.0% -7.5% YoY-1.6% QoQ	+10.6%	70.4% -0.4% YoY	70.0% -0.5% YoY	65.6% -1.4% YoY	70%
AMR	$31,341 -2.8% YoY-0.5% QoQ	+$6K	$24,918 +2.7% YoY	$21,889 +2.4% YoY	$19,920 +1.6% YoY	84%
CD Concentration	33.3% +3.9% YoY+5.2% QoQ	+9.0%	24.3%	28.7%	19.8%	50%
Indirect Auto %	8.7% -20.4% YoY-4.7% QoQ	-5.1%	13.8%	7.9%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#270 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.46%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 8.71%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#339 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.46%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.33%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 8.71%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Efficiency Drag

risk

#242 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 86.61%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 1.46%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#116 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.85%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Credit Quality Pressure

risk

#441 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Wealth Migration Risk

decline

#18 of 20 • Bottom 50.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $31.3K

(Tier: $25.5K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -2.85%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

20 of 1070 Mid-Small & Community CUs have this signature | 28 nationally

→ No prior data (20 CUs now) | 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 1070 peers in tier

Top Strengths (3 metrics)

113

Fee Income Per Member

profitability

Value: $250.52

Peer Median: $154.95

#113 of 1070 Top 10.5% in 100M-500M tier

150

Loan-to-Member Ratio (LMR)

engagement

Value: $14,023

Peer Median: $9,356

#150 of 1070 Top 13.9% in 100M-500M tier

168

Average Member Relationship (AMR)

engagement

Value: $31,341

Peer Median: $22,931

#168 of 1070 Top 15.6% in 100M-500M tier

Top Weaknesses (7 metrics)

1053

Net Worth Ratio

risk

Value: 7.51%

Peer Median: 11.45%

#1053 of 1070 Bottom 1.7% in 100M-500M tier

979

Members Per Employee (MPE)

engagement

Value: 217.841

Peer Median: 309.176

#979 of 1070 Bottom 8.6% in 100M-500M tier

977

Loan Growth Rate

growth

Value: -5.52%

Peer Median: 2.93%

#977 of 1070 Bottom 8.8% in 100M-500M tier

974

AMR Growth Rate

growth

Value: -2.85%

Peer Median: 3.46%

#974 of 1070 Bottom 9.1% in 100M-500M tier

862

Share Certificate Concentration (%)

balance_sheet

Value: 33.28%

Peer Median: 23.10%

#862 of 1070 Bottom 19.5% in 100M-500M tier

820

Efficiency Ratio

profitability

Value: 86.61%

Peer Median: 78.68%

#820 of 1070 Bottom 23.5% in 100M-500M tier

808

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Median: 0.69%

#808 of 1070 Bottom 24.6% in 100M-500M tier