BlastPoint's Credit Union Scorecard

H.P.C.

Charter #62219 · MI

1077 CUs in 100M-500M nationally 67 in MI

H.P.C. has 4 strengths but faces 7 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 25.7% in tier
+ Organic Growth Engine: Top 28.7% in tier
+ Relationship Depth Leader: Top 91.0% in tier
+ Emerging Performer: Top 96.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 8.2% in tier
- Credit Risk Growth: Bottom 11.8% in tier
- Cost Spiral: Bottom 19.8% in tier
- Indirect Auto Dependency: Bottom 30.7% in tier
- ROA 0.07% below tier average
- Efficiency ratio 2.55% above tier (higher cost structure)
- Fee Income Per Member: Bottom 4.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	7,554 +1.2% YoY+0.1% QoQ	-8.1K	15,628 -3.4% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	Bottom 13.5% in tier
Assets	$155.8M +2.0% YoY-0.5% QoQ	$-75.5M	$231.3M -0.0% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	33%
Loans	$94.1M +4.4% YoY+0.6% QoQ	$-53.7M	$147.8M -1.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	31%
Deposits	$132.8M +2.1% YoY-0.6% QoQ	$-67.5M	$200.3M -0.0% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	32%

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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	0.7% -37.5% YoY+10.6% QoQ	-0.1%	0.8% +15.5% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	46%
NIM	3.6% +14.9% YoY+1.4% QoQ	-0.0%	3.6% +6.9% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	48%
Efficiency Ratio	79.8% +9.7% YoY-2.8% QoQ	+2.5%	77.3% -3.0% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	61%
Delinquency Rate	0.4% +3697.8% YoY-3.6% QoQ	-0.5	0.9% +7.6% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	26%
Loan To Share	70.8% +2.2% YoY+1.3% QoQ	-1.9%	72.7% -1.5% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	42%
AMR	$30,037 +1.8% YoY-0.3% QoQ	+$6K	$24,363 +2.9% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	83%
CD Concentration	12.2% +10.8% YoY+12.4% QoQ	-12.3%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.5% +56.2% YoY+7.1% QoQ	+3.5%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#339 of 430 • Top 25.7% in tier

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

Why This Signature

Member Growth (YoY): 1.25%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 17.52%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#527 of 603 • Top 28.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.25%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.71%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 17.52%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#234 of 257 • Top 91.0% 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): 1.79%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $2.5K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Emerging Performer

growth

#185 of 191 • Top 96.8% 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: 0.71%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 1.25%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk

#204 of 736 • Bottom 8.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.38% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#177 of 446 • Bottom 11.8% in tier

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

Why This Signature

Loan Growth (YoY): 4.40%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.38% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Cost Spiral

risk

#49 of 62 • Bottom 19.8% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.07% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 60.28%

(Tier: 59.95%, National: 63.68%)

worse than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#494 of 525 • Bottom 30.7% in tier

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

Why This Signature

Asset Growth (YoY): 1.96%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 17.52%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.25%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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 1077 peers in tier

Top Strengths (4 metrics)

165

Share Certificate Concentration (%)

balance_sheet

Value: 12.15%

Peer Avg: -

#165 of 1077 Top 15.2% in 100M-500M tier

180

Average Member Relationship (AMR)

engagement

Value: $30,037

Peer Avg: -

#180 of 1077 Top 16.6% in 100M-500M tier

201

Net Worth Ratio

risk

Value: 14.38%

Peer Avg: -

#201 of 1077 Top 18.6% in 100M-500M tier

226

Loan-to-Member Ratio (LMR)

engagement

Value: $12,454

Peer Avg: -

#226 of 1077 Top 20.9% in 100M-500M tier

Top Weaknesses (3 metrics)

1025

Fee Income Per Member

profitability

Value: $67.81

Peer Avg: -

#1025 of 1077 Bottom 4.9% in 100M-500M tier

932

Total Members

engagement

Value: 7,554

Peer Avg: -

#932 of 1077 Bottom 13.6% in 100M-500M tier

835

Members Per Employee (MPE)

engagement

Value: 260.483

Peer Avg: -

#835 of 1077 Bottom 22.6% in 100M-500M tier