BlastPoint's Credit Union Scorecard
HIGHMARK
Charter #4122 · SD
HIGHMARK has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 28.4% in tier
- + Organic Growth Leader: Top 28.8% in tier
- + Net Interest Margin 0.23% above tier average
- + Fee Income Per Member: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.9% in tier
- - Shrinking Wallet Share: Bottom 12.3% in tier
- - Wealth Migration Risk: Bottom 19.1% in tier
- - ROA 0.01% below tier average
- - Efficiency ratio 2.23% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
- - Net Worth Ratio: Bottom 1.8% in tier
- - Loan Growth Rate: Bottom 6.6% in tier
- - Members Per Employee (MPE): Bottom 6.9% in tier
- - AMR Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,673
+0.9% YoY+0.5% QoQ
|
-2.0K |
15,628
-3.4% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$256.8M
+3.5% YoY+0.4% QoQ
|
+$25.5M |
$231.3M
-0.0% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
66% |
| Loans |
$194.0M
-7.4% YoY-3.0% QoQ
|
+$46.2M |
$147.8M
-1.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$235.3M
+3.1% YoY+0.5% QoQ
|
+$35.1M |
$200.3M
-0.0% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
68% |
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| ROA |
0.8%
-567.5% YoY+43.8% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
51% |
| NIM |
3.8%
-0.2% YoY+0.1% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
63% |
| Efficiency Ratio |
79.5%
-3.7% YoY-7.5% QoQ
|
+2.2% |
77.3%
-3.0% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
59% |
| Delinquency Rate |
1.2%
+35.6% YoY-9.8% QoQ
|
+0.3 |
0.9%
+7.6% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
82.5%
-10.2% YoY-3.5% QoQ
|
+9.8% |
72.7%
-1.5% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$31,404
-2.8% YoY-1.6% QoQ
|
+$7K |
$24,363
+2.9% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
Top 13.7% in tier |
| CD Concentration |
31.9%
-6.8% YoY-1.6% QoQ
|
+7.5% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
9.9%
-26.2% YoY-4.3% QoQ
|
-4.1% |
14.0%
-5.7% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
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 (<20%). Healthy, sustainable growth model.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
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)