BlastPoint's Credit Union Scorecard
HEALTH CARE FAMILY
Charter #63249 · MO
HEALTH CARE FAMILY has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Total Loans: Top 3.9% in tier
- + Fee Income Per Member: Top 6.7% in tier
- + Loan-to-Member Ratio (LMR): Top 6.8% in tier
- + Total Assets: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.78% above tier average
- - Member decline: -3.7% YoY
- - Indirect Auto Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,156
-3.7% YoY-0.7% QoQ
|
+2.5K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Top 13.2% in tier |
| Assets |
$75.2M
+0.5% YoY-0.3% QoQ
|
+$45.4M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 9.6% in tier |
| Loans |
$54.0M
+2.2% YoY+1.5% QoQ
|
+$38.2M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Top 3.9% in tier |
| Deposits |
$62.8M
+0.4% YoY-1.3% QoQ
|
+$37.3M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Top 10.5% in tier |
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| ROA |
0.8%
+2.9% YoY-2.1% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
54% |
| NIM |
3.8%
+7.5% YoY+1.6% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
47% |
| Efficiency Ratio |
77.8%
-1.3% YoY+0.2% QoQ
|
-3.6% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
49% |
| Delinquency Rate |
2.3%
+340.1% YoY-1.2% QoQ
|
+0.8 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
86.0%
+1.8% YoY+2.8% QoQ
|
+24.8% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
85% |
| AMR |
$22,652
+5.1% YoY+0.7% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Top 12.5% in tier |
| CD Concentration |
23.6%
+5.9% YoY+0.8% QoQ
|
-0.8% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
8.4%
-10.7% YoY+0.5% QoQ
|
-5.6% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
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)