BlastPoint's Credit Union Scorecard

HELLO

Charter #63262 · FL

100M-500M

1070 CUs in 100M-500M nationally 36 in FL

HELLO has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.31% above tier average
+ First Mortgage Concentration (%): Top 4.7% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.39% below tier average
- Efficiency ratio 5.05% above tier (higher cost structure)
- Member decline: -5.4% YoY
- Member Growth Rate: Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	10,738 -5.4% YoY-0.4% QoQ	-4.4K	15,145 -2.5% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	36%
Assets	$159.3M -1.7% YoY+1.2% QoQ	$-72.4M	$231.7M +0.8% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	35%
Loans	$100.8M -5.4% YoY-1.1% QoQ	$-43.4M	$144.1M +0.2% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	37%
Deposits	$134.4M -1.7% YoY+1.7% QoQ	$-66.7M	$201.1M +0.4% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	33%

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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	0.3% +5.7% YoY-50.2% QoQ	-0.4%	0.7% +5.1% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	25%
NIM	3.9% +6.9% YoY-1.4% QoQ	+0.3%	3.6% +4.6% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	71%
Efficiency Ratio	83.1% +4.1% YoY+14.3% QoQ	+5.1%	78.0% -1.7% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	66%
Delinquency Rate	0.5% -49.2% YoY-20.9% QoQ	-0.3	0.8% +7.1% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	37%
Loan To Share	75.0% -3.8% YoY-2.8% QoQ	+4.6%	70.4% -0.4% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	55%
AMR	$21,906 +2.3% YoY+0.9% QoQ	$-3K	$24,918 +2.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	44%
CD Concentration	16.4% -6.9% YoY-2.6% QoQ	-7.9%	24.3%	24.4%	19.8%	50%
Indirect Auto %	1.3%	-12.5%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Stagnation Risk

risk

#93 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.40%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.45%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#113 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#66 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $159.34M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -5.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.40%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Efficiency Drag

risk

#368 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.07%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.02% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -5.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 3.62%

Peer Median: 29.47%

#51 of 1070 Top 4.7% in 100M-500M tier

161

Fee Income Per Member

profitability

Value: $231.47

Peer Median: $154.95

#161 of 1070 Top 15.0% in 100M-500M tier

201

Net Worth Ratio

risk

Value: 14.28%

Peer Median: 11.45%

#201 of 1070 Top 18.7% in 100M-500M tier

Top Weaknesses (5 metrics)

975

Member Growth Rate

growth

Value: -5.44%

Peer Median: -0.06%

#975 of 1070 Bottom 9.0% in 100M-500M tier

973

Loan Growth Rate

growth

Value: -5.40%

Peer Median: 2.93%

#973 of 1070 Bottom 9.2% in 100M-500M tier

969

Asset Growth Rate

growth

Value: -1.74%

Peer Median: 3.91%

#969 of 1070 Bottom 9.5% in 100M-500M tier

956

Net Charge-Off Rate

risk

Value: 1.05%

Peer Median: 0.35%

#956 of 1070 Bottom 10.7% in 100M-500M tier

946

Deposit Growth Rate

growth

Value: -1.65%

Peer Median: 3.30%

#946 of 1070 Bottom 11.7% in 100M-500M tier