BlastPoint's Credit Union Scorecard
HURD EMPLOYEES
Charter #68144 · TN
HURD EMPLOYEES has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 1.2% in tier
- + Net Worth Ratio: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Efficiency ratio 1.96% above tier (higher cost structure)
- - Delinquency rate 2.00% above tier average
- - Share Certificate Concentration (%): Bottom 0.2% in tier
- - Deposit Growth Rate: Bottom 7.1% 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 -9.9% year over year ($2.8M in shares and deposits).
- Membership: 422 members, -1.2% vs a year ago.
- Delinquency rate 3.55%.
- Return on assets 0.76%.
- Efficiency ratio 90.72% vs a 88.77% peer average.
- Loan-to-share ratio 110.80% 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 |
422
-1.2% YoY0% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
Bottom 11.7% in tier |
| Assets |
$4.3M
-6.4% YoY-4.9% QoQ
|
$-26.0M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$3.1M
-2.1% YoY+4.5% QoQ
|
$-12.4M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$2.8M
-9.9% YoY-7.6% QoQ
|
$-23.0M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.5% in tier |
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| ROA |
0.8%
-166.1% YoY-133.8% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
3.9%
+5.5% YoY-2.3% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
90.7%
+9.3% YoY+1.4% QoQ
|
+2.0% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
3.5%
+30.5% YoY-11.3% QoQ
|
+2.0 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.5% in tier |
| Loan To Share |
110.8%
+8.7% YoY+13.1% QoQ
|
+51.9% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
Top 1.4% in tier |
| AMR |
$13,771
-4.8% YoY-1.6% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
81.1%
-0.2% YoY+10.4% QoQ
|
+56.5% | 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)