BlastPoint's Credit Union Scorecard
HARDIN COUNTY HOSPITAL EMPLOYEES
Charter #68120 · TN
HARDIN COUNTY HOSPITAL EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 23.0% YoY
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Member Growth Rate: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.18% below tier average
- - Efficiency ratio 0.12% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 0.9% in tier
- - Asset Growth Rate: Bottom 1.9% in tier
- - Deposit Growth Rate: Bottom 2.2% in tier
- - Total Assets: Bottom 5.5% in tier
- - Average Member Relationship (AMR): Bottom 6.0% in tier
- - Total Deposits: Bottom 6.7% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 84 that size in Tennessee.
- Shares and deposits -18.0% year over year ($938K in shares and deposits).
- Membership: 369 members, +23.0% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.31%.
- Efficiency ratio 88.88% vs a 88.77% peer average.
- Loan-to-share ratio 55.13% vs a 58.89% 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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
369
+23.0% YoY+0.5% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Bottom 10.1% in tier |
| Assets |
$1.0M
-16.2% YoY-2.1% QoQ
|
$-29.2M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.5% in tier |
| Loans |
$517,048
-11.3% YoY-5.1% QoQ
|
$-14.9M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.8% in tier |
| Deposits |
$937,807
-18.0% YoY-2.0% QoQ
|
$-24.9M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.6% in tier |
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| ROA |
0.3%
-133.1% YoY-6.6% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
19% |
| NIM |
2.7%
+101.1% YoY-5.4% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.8% in tier |
| Efficiency Ratio |
88.9%
-42.7% YoY+0.4% QoQ
|
+0.1% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
55.1%
+8.1% YoY-3.2% QoQ
|
-3.8% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
45% |
| AMR |
$3,943
-31.5% YoY-3.7% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.0% in tier |
| CD Concentration |
31.0%
-11.9% YoY+2.2% QoQ
|
+6.4% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 7.7% | 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)