BlastPoint's Credit Union Scorecard
HAPO COMMUNITY
Charter #68239 · WA
HAPO COMMUNITY has 8 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 2.4% in tier
- + ROA 0.72% above tier average
- + Net Interest Margin 0.49% above tier average
- + Total Assets: Top 0.1% in tier
- + Total Deposits: Top 0.3% in tier
- + Total Members: Top 0.7% in tier
- + Deposit Growth Rate: Top 1.3% in tier
- + Asset Growth Rate: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 3.0% in tier
- - Indirect Auto Concentration (%): Bottom 9.7% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 9 that size in Washington.
- Shares and deposits +29.4% year over year ($2.57B in shares and deposits).
- Membership: 213,072 members, +1.6% vs a year ago.
- Delinquency rate 0.18%.
- Return on assets 1.54%.
- Efficiency ratio 65.67% vs a 73.02% peer average.
- Loan-to-share ratio 83.84% vs a 84.71% 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 (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
213,072
+1.6% YoY-0.0% QoQ
|
+116.2K |
96,861
-1.9% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
Top 1.0% in tier |
| Assets |
$3.0B
+24.8% YoY-3.3% QoQ
|
+$1.3B |
$1.7B
+0.4% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
Top 0.3% in tier |
| Loans |
$2.2B
+15.0% YoY+0.8% QoQ
|
+$918.9M |
$1.2B
+0.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
Top 4.7% in tier |
| Deposits |
$2.6B
+29.4% YoY-3.4% QoQ
|
+$1.1B |
$1.5B
+0.5% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
Top 0.7% in tier |
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 |
1.5%
+15.0% YoY+11.1% QoQ
|
+0.7% |
0.8%
+27.6% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Top 7.3% in tier |
| NIM |
3.9%
-1.1% YoY+3.2% QoQ
|
+0.5% |
3.4%
+6.6% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
65.7%
-0.6% YoY-3.1% QoQ
|
-7.3% |
73.0%
-2.7% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate |
0.2%
-53.3% YoY-1.4% QoQ
|
-0.7 |
0.9%
+7.3% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
Top 3.7% in tier |
| Loan To Share |
83.8%
-11.1% YoY+4.3% QoQ
|
-0.9% |
84.7%
+0.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
41% |
| AMR |
$22,159
+20.5% YoY-1.5% QoQ
|
$-7K |
$29,575
+1.5% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.3% in tier |
| CD Concentration |
17.5%
-9.9% YoY+3.2% QoQ
|
-11.6% | 29.1% | 22.7% | 20.0% | Bottom 8.5% in tier |
| Indirect Auto % |
40.4%
-21.9% YoY-2.7% QoQ
|
+22.3% | 18.1% | 16.0% | 7.7% | Bottom 9.6% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)