BlastPoint's Credit Union Scorecard
HURD EMPLOYEES
Charter #68144 · TN
HURD EMPLOYEES has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 3.9% in tier
- + Net Worth Ratio: Top 4.2% in tier
- + Net Charge-Off Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.61% below tier average
- - Efficiency ratio 9.84% above tier (higher cost structure)
- - Delinquency rate 1.00% above tier average
- - Share Certificate Concentration (%): Bottom 0.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
423
+1.0% YoY-0.9% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 11.7% in tier |
| Assets |
$4.6M
+0.7% YoY-0.5% QoQ
|
$-25.3M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$3.1M
-1.8% YoY-2.1% QoQ
|
$-12.7M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$3.0M
+2.3% YoY-0.5% QoQ
|
$-22.4M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
16% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.9%
+37.1% YoY-19.1% QoQ
|
-1.6% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.8% in tier |
| NIM |
3.3%
-2.6% YoY-9.5% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
28% |
| Efficiency Ratio |
91.2%
+21.3% YoY+9.9% QoQ
|
+9.8% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
79% |
| Delinquency Rate |
2.5%
+523.0% YoY-7.7% QoQ
|
+1.0 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
85% |
| Loan To Share |
100.3%
-4.0% YoY-1.6% QoQ
|
+39.0% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 4.1% in tier |
| AMR |
$14,421
-0.8% YoY-0.3% QoQ
|
$-206 |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
84.0%
-0.8% YoY+3.4% QoQ
|
+59.6% |
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)
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)