BlastPoint's Credit Union Scorecard
HEALTHSHARE
Charter #66317 · NC
HEALTHSHARE has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Net Interest Margin 0.53% above tier average
- + Loan-to-Share Ratio: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.38% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,768
+1.4% YoY+0.1% QoQ
|
+3.2K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 10.3% in tier |
| Assets |
$49.2M
-3.2% YoY+0.4% QoQ
|
+$19.1M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$40.0M
+1.6% YoY+3.3% QoQ
|
+$24.3M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
Top 10.4% in tier |
| Deposits |
$41.7M
-3.5% YoY-0.7% QoQ
|
+$16.1M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.8%
+65.8% YoY+7.7% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
4.5%
+25.5% YoY+1.1% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
82.9%
-4.8% YoY-1.7% QoQ
|
+0.4% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.4%
-6.1% YoY+18.7% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
95.9%
+5.2% YoY+4.0% QoQ
|
+35.3% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Top 6.1% in tier |
| AMR |
$14,178
-2.4% YoY+1.1% QoQ
|
$-605 |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
16.0%
-26.4% YoY+3.3% QoQ
|
-8.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
4.5%
-27.7% YoY-4.3% QoQ
|
-9.3% | 13.8% | 5.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)