BlastPoint's Credit Union Scorecard
HEALTH
Charter #62664 · AL
HEALTH has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.98% above tier average
- + Loan-to-Share Ratio: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.78% above tier average
- - Net Charge-Off Rate: Bottom 5.0% in tier
- - Indirect Auto Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,105
+1.3% YoY-1.2% QoQ
|
-571 |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$27.4M
-4.4% YoY-0.9% QoQ
|
$-2.8M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
56% |
| Loans |
$19.4M
+9.4% YoY+1.9% QoQ
|
+$4.1M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$21.0M
-5.4% YoY-1.1% QoQ
|
$-4.8M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
53% |
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| ROA |
0.1%
-83.1% YoY-216.0% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
27% |
| NIM |
5.0%
+5.3% YoY+2.3% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
Top 11.9% in tier |
| Efficiency Ratio |
67.4%
+23.0% YoY+5.8% QoQ
|
-23.2% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate |
2.3%
+3.7% YoY+6.6% QoQ
|
+0.8 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
92.0%
+15.7% YoY+3.0% QoQ
|
+33.5% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
Top 6.7% in tier |
| AMR |
$19,184
-0.1% YoY+1.5% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
75% |
| CD Concentration |
34.8%
+6.8% YoY-1.8% QoQ
|
+10.6% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
10.5%
+21.8% QoQ
|
-3.3% | 13.8% | 5.1% | 7.7% | 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)