BlastPoint's Credit Union Scorecard

H.P.C.

Charter #62219 · MI

1069 CUs in 100M-500M nationally 68 in MI

H.P.C. has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 72.2% in tier
+ Organic Growth Engine: Top 81.1% in tier
+ Emerging Performer: Top 92.3% in tier
+ Relationship Depth Leader: Top 92.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 41.2% in tier
- Credit Risk Growth: Bottom 61.8% in tier
- Indirect Auto Dependency: Bottom 92.9% in tier
- ROA 0.01% below tier average
- Efficiency ratio 0.78% above tier (higher cost structure)
- Fee Income Per Member: Bottom 5.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	7,582 +1.5% YoY+0.4% QoQ	-7.9K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	Bottom 13.9% in tier
Assets	$158.9M +3.2% YoY+2.0% QoQ	$-73.0M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	34%
Loans	$93.9M +3.4% YoY-0.2% QoQ	$-53.4M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	31%
Deposits	$135.9M +3.0% YoY+2.3% QoQ	$-64.9M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	33%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% -11.4% YoY+5.2% QoQ	-0.0%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	50%
NIM	3.6% +10.8% YoY+0.1% QoQ	-0.0%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	48%
Efficiency Ratio	77.8% -0.6% YoY-2.5% QoQ	+0.8%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	53%
Delinquency Rate	0.5% +91.8% YoY+39.1% QoQ	-0.4	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	36%
Loan To Share	69.1% +0.4% YoY-2.4% QoQ	-3.1%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	40%
AMR	$30,305 +1.7% YoY+0.9% QoQ	+$6K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	83%
CD Concentration	12.0% +11.9% YoY-1.1% QoQ	-12.4%	24.4%	18.6%	19.8%	50%
Indirect Auto %	18.0% +46.2% YoY+2.5% QoQ	+4.2%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#308 of 426 • Top 72.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.47%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 17.96%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#483 of 595 • Top 81.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.47%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.75%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 17.96%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#168 of 182 • Top 92.3% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.75%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.47%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Relationship Depth Leader

growth

#249 of 268 • Top 92.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.69%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $2.5K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk

#291 of 705 • Bottom 41.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#282 of 456 • Bottom 61.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.40%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Indirect Auto Dependency

risk

#470 of 506 • Bottom 92.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.21%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 17.96%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.47%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

151

Share Certificate Concentration (%)

balance_sheet

Value: 12.02%

Peer Median: -

#151 of 1069 Top 14.0% in 100M-500M tier

185

Average Member Relationship (AMR)

engagement

Value: $30,305

Peer Median: -

#185 of 1069 Top 17.2% in 100M-500M tier

206

Net Worth Ratio

risk

Value: 14.31%

Peer Median: -

#206 of 1069 Top 19.2% in 100M-500M tier

232

Loan-to-Member Ratio (LMR)

engagement

Value: $12,385

Peer Median: -

#232 of 1069 Top 21.6% in 100M-500M tier

Top Weaknesses (3 metrics)

1015

Fee Income Per Member

profitability

Value: $73.09

Peer Median: -

#1015 of 1069 Bottom 5.1% in 100M-500M tier

920

Total Members

engagement

Value: 7,582

Peer Median: -

#920 of 1069 Bottom 14.0% in 100M-500M tier

819

Members Per Employee (MPE)

engagement

Value: 261.448

Peer Median: -

#819 of 1069 Bottom 23.5% in 100M-500M tier