BlastPoint's Credit Union Scorecard
HURD EMPLOYEES
Charter #68144 · TN
HURD EMPLOYEES has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 1.4% in tier
- + Net Worth Ratio: Top 3.1% in tier
- + Net Charge-Off Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 3.23% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - Share Certificate Concentration (%): Bottom 0.2% in tier
- - Deposit Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
417
-2.1% YoY-1.4% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Bottom 11.6% in tier |
| Assets |
$4.2M
-5.6% YoY-7.8% QoQ
|
$-25.9M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$3.0M
-2.3% YoY-3.3% QoQ
|
$-12.8M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$2.7M
-8.7% YoY-12.8% QoQ
|
$-23.0M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.2% in tier |
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| ROA |
0.1%
-92.7% YoY-113.8% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
3.5%
+2.9% YoY+6.8% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
85.8%
+15.0% YoY-6.0% QoQ
|
+3.2% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.8%
-39.8% YoY-67.4% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
111.1%
+7.0% YoY+10.8% QoQ
|
+50.5% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 1.5% in tier |
| AMR |
$13,452
-3.4% YoY-6.7% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
80.6%
-1.4% YoY-4.1% QoQ
|
+56.2% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 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)