BlastPoint's Credit Union Scorecard

HIGHMARK

Charter #4122 · SD

100M-500M

1069 CUs in 100M-500M nationally 9 in SD

HIGHMARK has 4 strengths but faces 5 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 Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Net Interest Margin 0.20% above tier average
+ Fee Income Per Member: Top 6.1% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- Efficiency ratio 2.01% above tier (higher cost structure)
- Net Worth Ratio: Bottom 2.4% in tier
- AMR Growth Rate: Bottom 7.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	13,687 +0.9% YoY+0.1% QoQ	-1.8K	15,437 -2.9% YoY	10,625 +2.1% YoY	33,374 +5.7% YoY	51%
Assets	$258.9M +2.1% YoY+0.8% QoQ	+$27.0M	$231.9M +1.3% YoY	$182.5M +3.9% YoY	$561.6M +9.7% YoY	66%
Loans	$194.6M -5.6% YoY+0.3% QoQ	+$47.3M	$147.3M -0.1% YoY	$124.3M +2.3% YoY	$397.0M +8.8% YoY	74%
Deposits	$236.6M +1.4% YoY+0.5% QoQ	+$35.7M	$200.8M +0.8% YoY	$161.4M +6.0% YoY	$477.3M +9.7% 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	0.7% -637.9% YoY-5.5% QoQ	+0.0%	0.8% +18.2% YoY	1.1% +33.3% YoY	0.7% +15.9% YoY	48%
NIM	3.8% +0.6% YoY-0.2% QoQ	+0.2%	3.6% +6.7% YoY	4.0% +8.8% YoY	3.8% +5.1% YoY	62%
Efficiency Ratio	79.0% -3.6% YoY-0.6% QoQ	+2.0%	77.0% -3.1% YoY	76.6% -2.2% YoY	79.7% -3.3% YoY	56%
Delinquency Rate	0.8% -20.9% YoY-34.9% QoQ	-0.1	0.9% +4.2% YoY	0.8% -2.2% YoY	1.3% -2.1% YoY	55%
Loan To Share	82.3% -6.8% YoY-0.2% QoQ	+10.0%	72.2% -1.1% YoY	72.1% -0.2% YoY	67.4% -1.7% YoY	70%
AMR	$31,502 -2.8% YoY+0.3% QoQ	+$7K	$24,676 +3.4% YoY	$21,631 +3.0% YoY	$19,687 +2.0% YoY	Top 14.6% in tier
CD Concentration	31.6% -8.6% YoY-0.9% QoQ	+7.2%	24.4%	29.0%	19.8%	50%
Indirect Auto %	9.1% -25.4% YoY-7.8% QoQ	-4.7%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#521 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.91%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.73%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 9.14%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#375 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.91%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 9.14%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (2)

Shrinking Wallet Share

decline

#98 of 208 • 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): -2.77%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Wealth Migration Risk

decline

#14 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: $31.5K

(Tier: $25.3K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -2.77%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

20 of 1069 Mid-Small & Community CUs have this signature | 34 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 1069 peers in tier

Top Strengths (3 metrics)

Fee Income Per Member

profitability

Value: $291.86

Peer Median: -

#66 of 1069 Top 6.1% in 100M-500M tier

143

Loan-to-Member Ratio (LMR)

engagement

Value: $14,219

Peer Median: -

#143 of 1069 Top 13.3% in 100M-500M tier

156

Average Member Relationship (AMR)

engagement

Value: $31,502

Peer Median: -

#156 of 1069 Top 14.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1044

Net Worth Ratio

risk

Value: 7.69%

Peer Median: -

#1044 of 1069 Bottom 2.4% in 100M-500M tier

988

AMR Growth Rate

growth

Value: -2.77%

Peer Median: -

#988 of 1069 Bottom 7.7% in 100M-500M tier

963

Members Per Employee (MPE)

engagement

Value: 224.377

Peer Median: -

#963 of 1069 Bottom 10.0% in 100M-500M tier

960

Loan Growth Rate

growth

Value: -5.57%

Peer Median: -

#960 of 1069 Bottom 10.3% in 100M-500M tier

866

Net Charge-Off Rate

risk

Value: 0.72%

Peer Median: -

#866 of 1069 Bottom 19.1% in 100M-500M tier

819

Share Certificate Concentration (%)

balance_sheet

Value: 31.63%

Peer Median: -

#819 of 1069 Bottom 23.5% in 100M-500M tier