BlastPoint's Credit Union Scorecard

HAPO COMMUNITY

Charter #68239 · WA

Mid-Market 3B-5B
76 CUs in 3B-5B nationally 6 in WA
View Mid-Market leaderboard →

HAPO COMMUNITY has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.1% in tier
  • + ROA 0.49% above tier average
  • + Net Interest Margin 0.36% above tier average
  • + AMR Growth Rate: Top 0.0% in tier
  • + Asset Growth Rate: Top 3.9% in tier
  • + Deposit Growth Rate: Top 3.9% in tier
  • + First Mortgage Concentration (%): Top 5.3% in tier
  • + Share Certificate Concentration (%): Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 1.9% in tier
  • - Margin Compression: Bottom 12.8% in tier
  • - Total Assets: Bottom 2.6% in tier
  • - Total Deposits: Bottom 6.6% in tier
  • - Total Loans: Bottom 9.2% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 213,590
+2.0% YoY-1.1% QoQ
 -16.8K 230,353
-2.9% YoY
 67,597
+5.2% YoY
 33,374
+5.7% YoY
 51%
Assets $3.0B
+28.4% YoY+1.1% QoQ
 $-897.0M $3.9B
+0.3% YoY
 $1.3B
+7.9% YoY
 $561.6M
+9.7% YoY
 Bottom 1.3% in tier
Loans $2.2B
+15.3% YoY-1.1% QoQ
 $-760.6M $2.9B
-0.2% YoY
 $943.7M
+8.0% YoY
 $397.0M
+8.8% YoY
 Bottom 7.9% in tier
Deposits $2.6B
+33.3% YoY+0.8% QoQ
 $-701.0M $3.3B
-0.3% YoY
 $1.1B
+9.4% YoY
 $477.3M
+9.7% YoY
 Bottom 5.3% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 1.2%
-14.7% YoY-4.5% QoQ
 +0.5% 0.7%
+16.8% YoY
 0.6%
+2.5% YoY
 0.7%
+15.9% YoY
 84%
NIM 3.5%
-8.1% YoY-6.0% QoQ
 +0.4% 3.1%
+9.8% YoY
 3.7%
+4.7% YoY
 3.8%
+5.1% YoY
 68%
Efficiency Ratio 67.5%
+1.3% YoY+0.5% QoQ
 -3.9% 71.4%
-1.4% YoY
 76.6%
-1.6% YoY
 79.7%
-3.3% YoY
 37%
Delinquency Rate 0.3%
-14.8% YoY-0.4% QoQ
 -0.6 0.9%
+5.8% YoY
 0.9%
-2.6% YoY
 1.3%
-2.1% YoY
 Top 10.5% in tier
Loan To Share 83.3%
-13.5% YoY-1.9% QoQ
 -5.6% 88.9%
-0.2% YoY
 76.8%
-1.3% YoY
 67.4%
-1.7% YoY
 25%
AMR $22,400
+22.1% YoY+1.0% QoQ
 $-7K $29,682
+1.5% YoY
 $29,074
+3.3% YoY
 $19,687
+2.0% YoY
 16%
CD Concentration 16.7%
-11.0% YoY-2.0% QoQ
 -12.4% 29.0% 22.5% 19.8% Bottom 8.8% in tier
Indirect Auto % 42.2%
-21.4% YoY-1.2% QoQ
 +23.9% 18.3% 16.8% 7.8% Bottom 8.5% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#4 of 123 • Top 1.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 22.10%
(Tier: 3.31%, National: 4.00%)
better than tier avg
123 of 378 Mid-Market CUs have this signature | 662 nationally
↑ Growing +38 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#3 of 196 • Bottom 1.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 28.44%
(Tier: 6.83%, National: 3.54%)
but better than tier avg
Indirect Auto %: 42.21%
(Tier: 18.31%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 1.96%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
196 of 378 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -11 CUs YoY | Rank improving

Margin Compression

decline
#4 of 19 • Bottom 12.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.20%
(Tier: 0.69%, National: 0.67%)
but better than tier avg
ROA (Prior Year): 1.41%
(Tier: 0.57%, National: 0.62%)
but better than tier avg
ROA Change (YoY): -0.21% points
(Tier: 0.12% points, National: 0.02% points)
worse than tier avg
19 of 378 Mid-Market CUs have this signature | 145 nationally
→ No prior data (19 CUs now) | New qualifier

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)

Comparing against 76 peers in tier

Top Strengths (9 metrics)

1
AMR Growth Rate
growth
Value: 22.10%
Peer Median: -
#1 of 76 Top 0.1% in 3B-5B tier
4
Asset Growth Rate
growth
Value: 28.44%
Peer Median: -
#4 of 76 Top 3.9% in 3B-5B tier
4
Deposit Growth Rate
growth
Value: 33.33%
Peer Median: -
#4 of 76 Top 3.9% in 3B-5B tier
5
First Mortgage Concentration (%)
balance_sheet
Value: 14.83%
Peer Median: -
#5 of 76 Top 5.3% in 3B-5B tier
6
Share Certificate Concentration (%)
balance_sheet
Value: 16.68%
Peer Median: -
#6 of 76 Top 6.6% in 3B-5B tier
9
Total Delinquency Rate (60+ days)
risk
Value: 0.29%
Peer Median: -
#9 of 76 Top 10.5% in 3B-5B tier
10
Loan Growth Rate
growth
Value: 15.33%
Peer Median: -
#10 of 76 Top 11.8% in 3B-5B tier
12
Return on Assets (ROA)
profitability
Value: 1.20%
Peer Median: -
#12 of 76 Top 14.5% in 3B-5B tier
16
Fee Income Per Member
profitability
Value: $245.95
Peer Median: -
#16 of 76 Top 19.7% in 3B-5B tier

Top Weaknesses (6 metrics)

75
Total Assets
balance_sheet
Value: $3.04B
Peer Median: -
#75 of 76 Bottom 2.6% in 3B-5B tier
72
Total Deposits
balance_sheet
Value: $2.61B
Peer Median: -
#72 of 76 Bottom 6.6% in 3B-5B tier
70
Total Loans
balance_sheet
Value: $2.17B
Peer Median: -
#70 of 76 Bottom 9.2% in 3B-5B tier
69
Indirect Auto Concentration (%)
balance_sheet
Value: 42.21%
Peer Median: -
#69 of 76 Bottom 10.5% in 3B-5B tier
65
Loan-to-Member Ratio (LMR)
engagement
Value: $10,181
Peer Median: -
#65 of 76 Bottom 15.8% in 3B-5B tier
64
Average Member Relationship (AMR)
engagement
Value: $22,400
Peer Median: -
#64 of 76 Bottom 17.1% in 3B-5B tier
Link copied to clipboard!