BlastPoint's Credit Union Scorecard
HEALTH CARE FAMILY
Charter #63249 · MO
HEALTH CARE FAMILY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Total Loans: Top 3.6% in tier
- + Loan-to-Member Ratio (LMR): Top 6.6% in tier
- + Fee Income Per Member: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.93% above tier average
- - Member decline: -3.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,122
-3.1% YoY-0.7% QoQ
|
+2.5K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Top 13.0% in tier |
| Assets |
$72.7M
-4.4% YoY-3.4% QoQ
|
+$42.6M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 11.2% in tier |
| Loans |
$54.7M
+2.8% YoY+1.2% QoQ
|
+$38.9M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Top 3.7% in tier |
| Deposits |
$61.4M
-2.2% YoY-2.1% QoQ
|
+$35.8M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Top 11.5% in tier |
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| ROA |
0.9%
+25.4% YoY+10.0% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
3.9%
+10.1% YoY+2.5% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
76.7%
-1.6% YoY-1.3% QoQ
|
-5.8% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
2.5%
+250.8% YoY+8.5% QoQ
|
+0.9 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
89.0%
+5.1% YoY+3.4% QoQ
|
+28.3% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
Top 10.9% in tier |
| AMR |
$22,667
+3.2% YoY+0.1% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Top 12.8% in tier |
| CD Concentration |
24.9%
+8.3% YoY+5.5% QoQ
|
+0.5% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
7.9%
-14.4% YoY-6.4% QoQ
|
-5.9% | 13.8% | 10.0% | 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)