BlastPoint's Credit Union Scorecard
HEALTHPLUS
Charter #5930 · MS
HEALTHPLUS has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency ratio 20.47% above tier (higher cost structure)
- - Delinquency rate 5.90% above tier average
- - Member decline: -43.2% YoY
- - Member Growth Rate: Bottom 0.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.4% in tier
- - Net Worth Ratio: Bottom 6.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,538
-43.2% YoY+0.1% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
41% |
| Assets |
$10.8M
+3.2% YoY+0.5% QoQ
|
$-19.4M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
33% |
| Loans |
$7.1M
-12.7% YoY-4.5% QoQ
|
$-8.2M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
43% |
| Deposits |
$9.9M
+6.8% YoY+0.4% QoQ
|
$-15.9M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
36% |
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| ROA |
-0.4%
-65.2% YoY-87.2% QoQ
|
-0.6% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.9% in tier |
| NIM |
3.9%
-35.9% YoY-29.6% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
56% |
| Efficiency Ratio |
111.1%
+30.5% YoY+22.3% QoQ
|
+20.5% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.0% in tier |
| Delinquency Rate |
7.4%
+4.2% YoY+18.3% QoQ
|
+5.9 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.4% in tier |
| Loan To Share |
71.5%
-18.3% YoY-4.8% QoQ
|
+13.0% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
70% |
| AMR |
$11,005
+72.1% YoY-1.8% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
33% |
| CD Concentration |
5.9%
+24.4% YoY-16.2% QoQ
|
-18.4% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)