BlastPoint's Credit Union Scorecard
HEALTHCARE ASSOCIATES
Charter #65421 · IL
HEALTHCARE ASSOCIATES has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Total Assets: Top 2.1% in tier
- + Total Loans: Top 2.5% in tier
- + Total Deposits: Top 4.0% in tier
- + Total Members: Top 7.1% in tier
- + Members Per Employee (MPE): Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 3.07% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29,908
-4.3% YoY-1.3% QoQ
|
+14.5K |
15,437
-2.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Top 7.2% in tier |
| Assets |
$479.4M
+3.2% YoY+1.2% QoQ
|
+$247.6M |
$231.9M
+1.3% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Top 2.2% in tier |
| Loans |
$336.6M
+3.9% YoY-0.7% QoQ
|
+$189.2M |
$147.3M
-0.1% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Top 2.6% in tier |
| Deposits |
$397.1M
+0.5% YoY+1.4% QoQ
|
+$196.3M |
$200.8M
+0.8% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Top 4.1% in tier |
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| ROA |
0.5%
-24.5% YoY-11.9% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.4%
+4.8% YoY+0.3% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
80.1%
+5.7% YoY+0.9% QoQ
|
+3.1% |
77.0%
-3.1% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.6%
+95.4% YoY+11.6% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
84.8%
+3.3% YoY-2.1% QoQ
|
+12.5% |
72.2%
-1.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$24,531
+6.7% YoY+1.8% QoQ
|
$-145 |
$24,676
+3.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
30.0%
+15.3% YoY+3.4% QoQ
|
+5.6% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % |
22.1%
-6.2% YoY-1.7% QoQ
|
+8.3% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)