BlastPoint's Credit Union Scorecard

HEALTHCARE ASSOCIATES

Charter #65421 · IL

100M-500M

1024 CUs in 100M-500M nationally 24 in IL

HEALTHCARE ASSOCIATES has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Assets: Top 1.6% in tier
+ Total Loans: Top 2.3% in tier
+ Total Deposits: Top 3.1% in tier
+ Total Members: Top 6.8% in tier
+ Members Per Employee (MPE): Top 8.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Flatlined Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.42% below tier average
- Efficiency ratio 1.37% above tier (higher cost structure)

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Illinois.
Shares and deposits +0.7% year over year ($404M in shares and deposits).
Membership: 29,473 members, -3.6% vs a year ago.
Delinquency rate 1.16%.
Return on assets 0.45%.
Efficiency ratio 78.10% vs a 76.73% peer average.
Loan-to-share ratio 85.04% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	29,473 -3.6% YoY-0.8% QoQ	+14.3K	15,168 -2.6% YoY	23,254 +11.8% YoY	34,678 +6.6% YoY	Top 6.9% in tier
Assets	$481.6M +1.3% YoY-1.0% QoQ	+$249.6M	$232.0M +0.7% YoY	$427.8M +15.2% YoY	$593.1M +10.2% YoY	Top 1.7% in tier
Loans	$343.2M +1.6% YoY+1.3% QoQ	+$196.9M	$146.3M +0.2% YoY	$298.4M +15.0% YoY	$418.6M +10.1% YoY	Top 2.4% in tier
Deposits	$403.6M +0.7% YoY-1.0% QoQ	+$202.8M	$200.7M +0.2% YoY	$358.8M +15.8% YoY	$504.8M +10.3% YoY	Top 3.2% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -28.3% YoY+2.0% QoQ	-0.4%	0.9% +12.5% YoY	1.1% +953.5% YoY	1.2% +121.4% YoY	24%
NIM	3.4% +1.0% YoY+2.1% QoQ	-0.3%	3.7% +4.5% YoY	3.7% +1.5% YoY	3.8% +2.3% YoY	34%
Efficiency Ratio	78.1% +0.5% YoY-0.4% QoQ	+1.4%	76.7% -0.8% YoY	84.5% -59.6% YoY	83.0% -5.3% YoY	52%
Delinquency Rate	1.2% +293.4% YoY+99.8% QoQ	+0.3	0.9% +6.6% YoY	1.3% -18.5% YoY	1.3% +2.6% YoY	75%
Loan To Share	85.0% +0.8% YoY+2.4% QoQ	+13.5%	71.5% -0.3% YoY	60.1% -3.0% YoY	66.4% -1.4% YoY	76%
AMR	$25,336 +4.9% YoY+0.8% QoQ	+$230	$25,107 +3.2% YoY	$15,331 +1.7% YoY	$20,028 -0.9% YoY	62%
CD Concentration	30.9% +8.9% YoY-1.4% QoQ	+6.3%	24.6%	14.0%	20.0%	50%
Indirect Auto %	21.0% -7.4% YoY-6.0% QoQ	+7.4%	13.6%	6.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#61 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.86% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Stagnation Risk

risk

#168 of 549 • 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): -3.60%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 1.56%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.16%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Membership Headwinds

decline

#199 of 549 • 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): -3.60%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Credit Risk Growth

risk

#216 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.56%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.86% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Flatlined Growth

risk

#25 of 42 • Bottom 50.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.29%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Return on Assets: 0.45%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

42 of 1024 Mid-Small & Community CUs have this signature | 57 nationally

→ Stable (46→42 CUs) -4 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#375 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.29%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 21.03%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -3.60%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (7 metrics)

Total Assets

balance_sheet

Value: $481.63M

Peer Median: $196.38M

#17 of 1024 Top 1.6% in 100M-500M tier

Total Loans

balance_sheet

Value: $343.18M

Peer Median: $124.04M

#25 of 1024 Top 2.3% in 100M-500M tier

Total Deposits

balance_sheet

Value: $403.55M

Peer Median: $170.77M

#33 of 1024 Top 3.1% in 100M-500M tier

Total Members

engagement

Value: 29,473

Peer Median: 13,128

#71 of 1024 Top 6.8% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 475.371

Peer Median: 310.924

#83 of 1024 Top 8.0% in 100M-500M tier

206

Net Worth Ratio

risk

Value: 14.53%

Peer Median: 11.71%

#206 of 1024 Top 20.0% in 100M-500M tier

249

Loan-to-Share Ratio

balance_sheet

Value: 85.04%

Peer Median: 73.07%

#249 of 1024 Top 24.2% in 100M-500M tier

Top Weaknesses (3 metrics)

860

Member Growth Rate

growth

Value: -3.60%

Peer Median: -0.03%

#860 of 1024 Bottom 16.1% in 100M-500M tier

777

Return on Assets (ROA)

profitability

Value: 0.45%

Peer Median: 0.75%

#777 of 1024 Bottom 24.2% in 100M-500M tier

770

Total Delinquency Rate (60+ days)

risk

Value: 1.16%

Peer Median: 0.71%

#770 of 1024 Bottom 24.9% in 100M-500M tier