BlastPoint's Credit Union Scorecard
HEALTHCARE FIRST CREDIT UNION
Charter #65013 · PA
HEALTHCARE FIRST CREDIT UNION has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.34% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Delinquency rate 0.39% above tier average
- - Member decline: -3.0% YoY
- - Loan Growth Rate: Bottom 0.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,047
-3.0% YoY-0.6% QoQ
|
-7.1K |
15,145
-2.5% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$101.0M
-0.3% YoY+1.6% QoQ
|
$-130.8M |
$231.7M
+0.8% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.1% in tier |
| Loans |
$27.6M
-14.2% YoY-4.7% QoQ
|
$-116.6M |
$144.1M
+0.2% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.9% in tier |
| Deposits |
$86.3M
-1.3% YoY+3.7% QoQ
|
$-114.9M |
$201.1M
+0.4% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.9% in tier |
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| ROA |
1.1%
+96.9% YoY+29.8% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
73% |
| NIM |
2.9%
+14.6% YoY+3.8% QoQ
|
-0.7% |
3.6%
+4.6% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 12.5% in tier |
| Efficiency Ratio |
70.9%
-13.7% YoY-5.9% QoQ
|
-7.1% |
78.0%
-1.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
26% |
| Delinquency Rate |
1.2%
-2.3% YoY-18.5% QoQ
|
+0.4 |
0.8%
+7.1% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
32.0%
-13.1% YoY-8.1% QoQ
|
-38.4% |
70.4%
-0.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.3% in tier |
| AMR |
$14,151
-1.9% YoY+2.1% QoQ
|
$-11K |
$24,918
+2.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.6% in tier |
| CD Concentration |
11.8%
-18.4% YoY-4.0% QoQ
|
-12.4% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)