BlastPoint's Credit Union Scorecard
HAPO COMMUNITY
Charter #68239 · WA
HAPO COMMUNITY has 9 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 2.5% in tier
- + Organic Growth Engine: Top 60.2% 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 1.0% in tier
- - Margin Compression: Bottom 16.7% 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 |
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| 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
|
Bottom 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% | Top 8.5% in tier |
Signature Analysis
Strengths (2)
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.
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)