BlastPoint's Credit Union Scorecard
HURD EMPLOYEES
Charter #68144 · TN
HURD EMPLOYEES has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 3.7% in tier
- + Net Worth Ratio: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - ROA 2.38% below tier average
- - Delinquency rate 2.49% above tier average
- - Share Certificate Concentration (%): Bottom 0.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
422
-0.5% YoY+1.2% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
Bottom 11.6% in tier |
| Assets |
$4.5M
+0.3% YoY+7.2% QoQ
|
$-25.7M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$2.9M
-4.9% YoY-1.0% QoQ
|
$-12.4M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$3.0M
+0.7% YoY+12.3% QoQ
|
$-22.8M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
15% |
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| ROA |
-2.2%
+87.0% YoY-1851.3% QoQ
|
-2.4% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.2% in tier |
| NIM |
4.0%
+7.4% YoY+11.8% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
56% |
| Efficiency Ratio |
89.4%
+11.9% YoY+4.3% QoQ
|
-1.2% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
67% |
| Delinquency Rate |
4.0%
+1004.8% YoY+388.7% QoQ
|
+2.5 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.7% in tier |
| Loan To Share |
98.0%
-5.5% YoY-11.8% QoQ
|
+39.5% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Top 3.8% in tier |
| AMR |
$14,000
-1.7% YoY+4.1% QoQ
|
$-884 |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
50% |
| CD Concentration |
73.4%
-9.9% YoY-8.9% QoQ
|
+49.2% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)