BlastPoint's Credit Union Scorecard
HEALTHPLUS
Charter #5930 · MS
HEALTHPLUS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.81% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.80% below tier average
- - Efficiency ratio 12.79% above tier (higher cost structure)
- - Delinquency rate 6.98% above tier average
- - Member decline: -12.1% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.8% in tier
- - Member Growth Rate: Bottom 4.5% in tier
- - Net Charge-Off Rate: Bottom 5.0% in tier
- - Net Worth Ratio: Bottom 5.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Mississippi.
- Shares and deposits +3.6% year over year ($9.6M in shares and deposits).
- Membership: 1,539 members, -12.1% vs a year ago.
- Delinquency rate 8.53%.
- Return on assets 0.69%.
- Efficiency ratio 101.56% vs a 88.77% peer average.
- Loan-to-share ratio 68.76% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,539
-12.1% YoY+0.1% QoQ
|
-1.0K |
2,585
-1.7% YoY
|
15,019
+10.4% YoY
|
34,678
+6.6% YoY
|
41% |
| Assets |
$10.5M
+1.1% YoY-2.7% QoQ
|
$-19.7M |
$30.3M
+1.5% YoY
|
$179.3M
+15.8% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$6.6M
-16.1% YoY-6.1% QoQ
|
$-8.8M |
$15.5M
-1.7% YoY
|
$118.9M
+12.9% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$9.6M
+3.6% YoY-2.4% QoQ
|
$-16.2M |
$25.8M
+1.1% YoY
|
$142.7M
+16.5% YoY
|
$504.8M
+10.3% YoY
|
35% |
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| ROA |
0.7%
-118.2% YoY-262.8% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
6.8%
+536.0% YoY
|
1.2%
+121.4% YoY
|
43% |
| NIM |
4.7%
-19.9% YoY+19.6% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
4.4%
+0.2% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
101.6%
+16.0% YoY-8.6% QoQ
|
+12.8% |
88.8%
-6.9% YoY
|
168.1%
+110.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.2% in tier |
| Delinquency Rate |
8.5%
+53.3% YoY+15.2% QoQ
|
+7.0 |
1.5%
+2.1% YoY
|
2.3%
+20.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.8% in tier |
| Loan To Share |
68.8%
-19.0% YoY-3.8% QoQ
|
+9.9% |
58.9%
-3.1% YoY
|
65.7%
-3.6% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$10,564
+7.5% YoY-4.0% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$12,280
+0.8% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration |
3.7%
-48.1% YoY-37.2% QoQ
|
-20.9% | 24.6% | 19.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 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)