BlastPoint's Credit Union Scorecard
COMMUNITY HEALTHCARE
Charter #60247 · CT
COMMUNITY HEALTHCARE has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.27% above tier average
- + Net Interest Margin 1.62% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.57% above tier average
- - Member decline: -3.3% YoY
- - Net Charge-Off Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,285
-3.3% YoY-0.9% QoQ
|
-330 |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$17.8M
+3.3% YoY+0.9% QoQ
|
$-12.3M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$11.8M
-7.8% YoY-0.6% QoQ
|
$-4.0M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$15.8M
+2.9% YoY+1.4% QoQ
|
$-9.9M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
0.9%
-73.4% YoY-0.3% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
5.6%
+5.2% YoY+1.4% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
Top 6.5% in tier |
| Efficiency Ratio |
76.5%
+68.7% YoY+2.4% QoQ
|
-6.1% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
2.1%
+35.7% YoY+101.4% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
74.2%
-10.3% YoY-2.0% QoQ
|
+13.6% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$12,073
+1.4% YoY+1.5% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 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)