H.P.C.

Charter #62219 | MI

100M-500M (1077 CUs) Micro
67 100M-500M in MI

H.P.C. has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 15.2% in tier
  • + Organic Growth Leader: Top 25.7% in tier
  • + Organic Growth Engine: Top 28.7% in tier
  • + Relationship Depth Leader: Top 30.4% in tier
  • + Wallet Share Momentum: Top 31.8% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 8.2% in tier
  • - Growth-at-Risk: Bottom 11.8% in tier
  • - Liquidity Overhang: Bottom 13.5% 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
 33rd in tier
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
 31st in tier
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
 32nd in tier
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
 46th in tier
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
 48th in tier
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
 61st in tier
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
 26th in tier
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
 42nd in tier
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
 Top 16.7% in tier
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
 50th in tier
Indirect Auto % 17.5%
+56.2% YoY+7.1% QoQ
 +3.6% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#286 of 627 • Top 15.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

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
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Organic Growth Leader

growth
#339 of 430 • Top 25.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.25%
(Tier: 0.88%, National: 9.37%)
better 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: 13.96%, 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
#839 of 1006 • Top 30.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

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
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#877 of 1006 • Top 31.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.79%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

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

Growth-at-Risk

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: 3.64%, 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

Liquidity Overhang

risk
#210 of 552 • Bottom 13.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.38%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 70.83%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Cost Spiral

risk
#49 of 62 • Bottom 19.8% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

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): -
(Tier: -, National: -)
Total Assets: $155.78M
(Tier: $231.30M, National: $547.69M)
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: 13.96%, 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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

165
Share Certificate Concentration (%)
balance_sheet
Value: 12.15%
Peer Avg: 23.61%
#165 of 1077 Top 15.2% in 100M-500M tier
180
Average Member Relationship (AMR)
engagement
Value: $30,037
Peer Avg: $24,363
#180 of 1077 Top 16.6% in 100M-500M tier
201
Net Worth Ratio
risk
Value: 14.38%
Peer Avg: 12.15%
#201 of 1077 Top 18.6% in 100M-500M tier
226
Loan-to-Member Ratio (LMR)
engagement
Value: $12,454
Peer Avg: $10,245
#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: $174.31
#1025 of 1077 Bottom 4.9% in 100M-500M tier
932
Total Members
engagement
Value: 7,554
Peer Avg: 15,628
#932 of 1077 Bottom 13.6% in 100M-500M tier
835
Members Per Employee (MPE)
engagement
Value: 260.483
Peer Avg: 332.881
#835 of 1077 Bottom 22.6% in 100M-500M tier