BlastPoint's Credit Union Scorecard
HARDIN COUNTY HOSPITAL EMPLOYEES
Charter #68120 · TN
2596 CUs in <100M nationally
88 in TN
HARDIN COUNTY HOSPITAL EMPLOYEES has 7 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.2% in tier
- + Deposit Growth Rate: Top 4.4% in tier
- + Asset Growth Rate: Top 4.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 10.98% above tier (higher cost structure)
- - Member decline: -16.8% YoY
- - Net Worth Ratio: Bottom 1.4% in tier
- - Member Growth Rate: Bottom 2.4% in tier
- - Net Interest Margin (NIM): Bottom 4.7% in tier
- - Total Assets: Bottom 7.1% in tier
- - Total Members: Bottom 7.9% in tier
- - Total Deposits: Bottom 8.1% in tier
- - Total Loans: Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
297
-16.8% YoY-1.0% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 7.9% in tier |
| Assets |
$1.3M
+12.8% YoY+4.4% QoQ
|
$-28.6M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.1% in tier |
| Loans |
$606,328
-5.1% YoY+4.0% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.4% in tier |
| Deposits |
$1.2M
+13.7% YoY+3.9% QoQ
|
$-24.3M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.1% in tier |
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| ROA |
0.0%
-99.4% YoY-100.6% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
2.2%
-39.3% YoY+62.0% QoQ
|
-1.7% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.6% in tier |
| Efficiency Ratio |
92.4%
+22.6% YoY-40.4% QoQ
|
+11.0% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
51.1%
-16.6% YoY+0.1% QoQ
|
-10.2% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$6,040
+28.1% YoY+5.0% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.9% in tier |
| CD Concentration |
33.9%
+56.7% YoY-3.7% QoQ
|
+9.5% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
33
AMR Growth Rate
growth
Value:
28.08%
Peer Avg: -
#33 of 2596
Top 1.2% in <100M tier
116
Deposit Growth Rate
growth
Value:
13.72%
Peer Avg: -
#116 of 2596
Top 4.4% in <100M tier
123
Asset Growth Rate
growth
Value:
12.83%
Peer Avg: -
#123 of 2596
Top 4.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (13 metrics)
2561
Net Worth Ratio
risk
Value:
6.82%
Peer Avg: -
#2561 of 2596
Bottom 1.4% in <100M tier
2535
Member Growth Rate
growth
Value:
-16.81%
Peer Avg: -
#2535 of 2596
Bottom 2.4% in <100M tier
2476
Net Interest Margin (NIM)
profitability
Value:
2.20%
Peer Avg: -
#2476 of 2596
Bottom 4.7% in <100M tier
2412
Total Assets
balance_sheet
Value:
$1.29M
Peer Avg: -
#2412 of 2596
Bottom 7.1% in <100M tier
2392
Total Members
engagement
Value:
297
Peer Avg: -
#2392 of 2596
Bottom 7.9% in <100M tier
2387
Total Deposits
balance_sheet
Value:
$1.19M
Peer Avg: -
#2387 of 2596
Bottom 8.1% in <100M tier
2377
Total Loans
balance_sheet
Value:
$606,328
Peer Avg: -
#2377 of 2596
Bottom 8.5% in <100M tier
2286
Average Member Relationship (AMR)
engagement
Value:
$6,040
Peer Avg: -
#2286 of 2596
Bottom 12.0% in <100M tier
2270
Fee Income Per Member
profitability
Value:
$3.64
Peer Avg: -
#2270 of 2596
Bottom 12.6% in <100M tier
2264
Share Certificate Concentration (%)
balance_sheet
Value:
33.88%
Peer Avg: -
#2264 of 2596
Bottom 12.8% in <100M tier