BlastPoint's Credit Union Scorecard
HEALTHPLUS
Charter #5930 · MS
HEALTHPLUS has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.89% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - ROA 4.73% below tier average
- - Efficiency ratio 8.12% above tier (higher cost structure)
- - Delinquency rate 4.80% above tier average
- - Member decline: -48.4% YoY
- - Member Growth Rate: Bottom 0.5% in tier
- - Net Charge-Off Rate: Bottom 2.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,542
-48.4% YoY-11.9% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$10.4M
+2.5% YoY-0.4% QoQ
|
$-19.5M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
33% |
| Loans |
$7.6M
-11.4% YoY-3.4% QoQ
|
$-8.1M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$9.4M
+6.6% YoY+0.9% QoQ
|
$-16.1M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
35% |
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| ROA |
-4.0%
-441.4% YoY+6.6% QoQ
|
-4.7% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.4% in tier |
| NIM |
5.8%
-10.2% YoY-1.1% QoQ
|
+1.9% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 5.1% in tier |
| Efficiency Ratio |
89.5%
+24.9% YoY+2.2% QoQ
|
+8.1% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
6.3%
+6.5% YoY+13.3% QoQ
|
+4.8 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
Top 4.1% in tier |
| Loan To Share |
81.3%
-16.8% YoY-4.2% QoQ
|
+20.1% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
79% |
| AMR |
$11,035
+89.3% YoY+12.3% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
34% |
| CD Concentration |
7.2%
+201.3% YoY+1.7% QoQ
|
-17.2% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.5%
+12.7% 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)