BlastPoint's Credit Union Scorecard
HAPO COMMUNITY
Charter #68239 · WA
HAPO COMMUNITY has 12 strengths but faces 5 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 1.7% in tier
- + Organic Growth Engine: Top 13.4% in tier
- + Profitability Leader: Top 47.9% in tier
- + Credit Quality Leader: Top 48.9% in tier
- + ROA 0.51% above tier average
- + Net Interest Margin 0.52% above tier average
- + AMR Growth Rate: Top 1.3% in tier
- + Asset Growth Rate: Top 2.6% in tier
- + Deposit Growth Rate: Top 2.6% in tier
- + First Mortgage Concentration (%): Top 3.9% in tier
- + Share Certificate Concentration (%): Top 6.6% in tier
- + Loan Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.3% in tier
- - Margin Compression: Bottom 7.3% in tier
- - Total Assets: Bottom 2.6% in tier
- - Total Loans: Bottom 7.9% in tier
- - Total Deposits: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
215,995
+3.5% YoY+3.0% QoQ
|
-22.5K |
238,465
+0.6% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
47% |
| Assets |
$3.0B
+27.3% YoY+25.9% QoQ
|
$-958.4M |
$4.0B
-0.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.3% in tier |
| Loans |
$2.2B
+17.1% YoY+17.5% QoQ
|
$-819.6M |
$3.0B
+3.3% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.6% in tier |
| Deposits |
$2.6B
+32.0% YoY+30.5% QoQ
|
$-744.2M |
$3.3B
+1.1% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.6% in tier |
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| ROA |
1.3%
-13.1% YoY-5.9% QoQ
|
+0.5% |
0.7%
+5.3% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
82% |
| NIM |
3.7%
-1.0% YoY-5.8% QoQ
|
+0.5% |
3.2%
+13.7% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
67.2%
+2.2% YoY+1.7% QoQ
|
-4.1% |
71.3%
-0.6% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.3%
-15.7% YoY-26.6% QoQ
|
-0.6 |
0.8%
+15.9% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.2% in tier |
| Loan To Share |
85.0%
-11.3% YoY-9.9% QoQ
|
-5.9% |
90.8%
+2.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$22,169
+20.5% YoY+20.6% QoQ
|
$-7K |
$29,088
+0.1% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.5% in tier |
| CD Concentration |
17.0%
-9.9% YoY-12.2% QoQ
|
-11.9% |
29.0%
+0.7% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
Bottom 8.7% in tier |
| Indirect Auto % |
42.7%
-21.3% YoY-17.3% QoQ
|
+24.0% |
18.8%
-3.0% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
Top 9.2% in tier |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)