BlastPoint's Credit Union Scorecard
HIDDEN RIVER
Charter #64932 · PA
HIDDEN RIVER has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.21% above tier average
- + Members Per Employee (MPE): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.7% in tier
- - Loan-to-Share Ratio: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,793
+2.5% YoY+0.6% QoQ
|
+4.4K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$245.3M
+7.8% YoY+2.0% QoQ
|
+$13.4M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$105.9M
+6.4% YoY+2.6% QoQ
|
$-41.4M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$222.7M
+7.6% YoY+2.0% QoQ
|
+$21.9M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
1.0%
+0.7% YoY-8.8% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
2.9%
+12.2% YoY-0.4% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.7% in tier |
| Efficiency Ratio |
66.0%
+1.1% YoY+2.5% QoQ
|
-11.1% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.3%
-56.6% YoY-31.1% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 14.2% in tier |
| Loan To Share |
47.6%
-1.1% YoY+0.5% QoQ
|
-24.7% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.9% in tier |
| AMR |
$16,601
+4.6% YoY+1.6% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
15% |
| CD Concentration |
27.1%
+17.9% YoY+0.4% QoQ
|
+2.7% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
31.7%
+3.4% YoY+1.4% QoQ
|
+17.9% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)