BlastPoint's Credit Union Scorecard
HEALTHPLUS
Charter #5930 · MS
HEALTHPLUS has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.64% 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 3.92% below tier average
- - Efficiency ratio 8.25% above tier (higher cost structure)
- - Delinquency rate 4.70% above tier average
- - Member decline: -49.4% YoY
- - Member Growth Rate: Bottom 0.5% in tier
- - Net Charge-Off Rate: Bottom 2.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.5% in tier
- - Net Worth Ratio: Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,537
-49.4% YoY-0.3% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$10.8M
+3.6% YoY+3.8% QoQ
|
$-19.4M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$7.4M
-13.5% YoY-3.2% QoQ
|
$-8.4M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$9.8M
+8.7% YoY+4.8% QoQ
|
$-15.9M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
-3.3%
-333.7% YoY-18.3% QoQ
|
-3.9% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.8% in tier |
| NIM |
5.6%
-8.1% YoY-3.9% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 6.3% in tier |
| Efficiency Ratio |
90.8%
+26.9% YoY+1.4% QoQ
|
+8.3% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
6.3%
-21.3% YoY-0.7% QoQ
|
+4.7 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 4.5% in tier |
| Loan To Share |
75.1%
-20.4% YoY-7.6% QoQ
|
+14.5% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$11,205
+93.5% YoY+1.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
7.0%
+117.8% YoY-3.0% QoQ
|
-17.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 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)