BlastPoint's Credit Union Scorecard

HEALTHSHARE

Charter #66317 · NC

<100M

2508 CUs in <100M nationally 31 in NC

HEALTHSHARE demonstrates 3 strengths

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.55% above tier average
+ Net Interest Margin 0.42% above tier average
+ Loan-to-Share Ratio: Top 7.9% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	5,727 +1.5% YoY-0.7% QoQ	+3.1K	2,676 +1.6% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	Top 10.1% in tier
Assets	$50.2M -3.8% YoY+2.0% QoQ	+$20.0M	$30.2M +1.3% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	77%
Loans	$38.7M -1.5% YoY-3.2% QoQ	+$23.5M	$15.3M -2.0% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	Top 10.5% in tier
Deposits	$42.9M -3.3% YoY+2.8% QoQ	+$17.1M	$25.8M +0.7% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	77%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +59.6% YoY-14.2% QoQ	+0.6%	0.1% -77.6% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	55%
NIM	4.4% +12.8% YoY-1.2% QoQ	+0.4%	4.0% +4.0% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	74%
Efficiency Ratio	82.7% -9.4% YoY-0.3% QoQ	-7.9%	90.6% +6.5% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	53%
Delinquency Rate	0.3% +57.4% YoY-32.5% QoQ	-1.2	1.5% +3.8% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	32%
Loan To Share	90.3% +1.9% YoY-5.8% QoQ	+31.8%	58.5% -3.0% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	Top 8.0% in tier
AMR	$14,256 -3.8% YoY+0.6% QoQ	$-628	$14,884 -1.7% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	52%
CD Concentration	19.3% +1.4% YoY+20.2% QoQ	-5.0%	24.3%	21.2%	19.8%	50%
Indirect Auto %	4.4% -20.8% YoY-0.3% QoQ	-9.4%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (7 metrics)

199

Loan-to-Share Ratio

balance_sheet

Value: 90.32%

Peer Median: 58.72%

#199 of 2508 Top 7.9% in <100M tier

253

Total Members

engagement

Value: 5,727

Peer Median: 1,918

#253 of 2508 Top 10.0% in <100M tier

264

Total Loans

balance_sheet

Value: $38.75M

Peer Median: $9.48M

#264 of 2508 Top 10.5% in <100M tier

506

Member Growth Rate

growth

Value: 1.47%

Peer Median: -1.37%

#506 of 2508 Top 20.1% in <100M tier

565

Fee Income Per Member

profitability

Value: $115.81

Peer Median: $60.42

#565 of 2508 Top 22.5% in <100M tier

571

Total Assets

balance_sheet

Value: $50.18M

Peer Median: $21.86M

#571 of 2508 Top 22.7% in <100M tier

577

Total Deposits

balance_sheet

Value: $42.90M

Peer Median: $18.77M

#577 of 2508 Top 23.0% in <100M tier

Top Weaknesses (4 metrics)

2236

First Mortgage Concentration (%)

balance_sheet

Value: 44.25%

Peer Median: 3.66%

#2236 of 2508 Bottom 10.9% in <100M tier

2231

Indirect Auto Concentration (%)

balance_sheet

Value: 4.45%

Peer Median: 0.00%

#2231 of 2508 Bottom 11.1% in <100M tier

2037

Asset Growth Rate

growth

Value: -3.80%

Peer Median: 1.30%

#2037 of 2508 Bottom 18.8% in <100M tier

1977

AMR Growth Rate

growth

Value: -3.85%

Peer Median: 1.27%

#1977 of 2508 Bottom 21.2% in <100M tier