BlastPoint's Credit Union Scorecard

HAPO COMMUNITY

Charter #68239 · WA

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

HAPO COMMUNITY has 8 strengths but faces 3 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 1.8% in tier
  • + ROA 0.65% above tier average
  • + Net Interest Margin 0.59% above tier average
  • + AMR Growth Rate: Top 1.3% in tier
  • + Deposit Growth Rate: Top 2.6% in tier
  • + Asset Growth Rate: Top 3.8% in tier
  • + Total Delinquency Rate (60+ days): Top 3.8% in tier
  • + Share Certificate Concentration (%): Top 5.1% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 3.2% in tier
  • - Total Assets: Bottom 9.0% in tier
  • - Total Loans: Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 213,152
+1.8% YoY-0.2% QoQ
 -7.3K 220,435
-7.6% YoY
 67,148
+4.0% YoY
 33,913
+5.7% YoY
 50%
Assets $3.1B
+28.7% YoY+1.5% QoQ
 $-827.2M $3.9B
-1.5% YoY
 $1.3B
+6.8% YoY
 $578.3M
+9.0% YoY
 Bottom 7.7% in tier
Loans $2.1B
+14.7% YoY-1.8% QoQ
 $-757.4M $2.9B
-1.1% YoY
 $931.6M
+6.7% YoY
 $402.4M
+8.7% YoY
 Bottom 7.7% in tier
Deposits $2.7B
+32.7% YoY+1.9% QoQ
 $-639.8M $3.3B
-2.5% YoY
 $1.1B
+7.7% YoY
 $494.3M
+9.1% YoY
 Bottom 11.5% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.4%
+7.4% YoY+15.2% QoQ
 +0.7% 0.7%
+10.6% YoY
 0.5%
+1.1% YoY
 0.4%
-39.2% YoY
 Top 11.5% in tier
NIM 3.8%
-2.3% YoY+8.3% QoQ
 +0.6% 3.2%
+4.6% YoY
 3.7%
+3.5% YoY
 3.8%
+4.1% YoY
 85%
Efficiency Ratio 67.7%
-1.3% YoY+0.3% QoQ
 -3.5% 71.3%
-2.6% YoY
 78.0%
-0.9% YoY
 84.6%
+2.8% YoY
 45%
Delinquency Rate 0.2%
-40.9% YoY-35.3% QoQ
 -0.6 0.7%
+9.2% YoY
 0.9%
+10.5% YoY
 1.2%
+3.4% YoY
 Top 3.8% in tier
Loan To Share 80.3%
-13.6% YoY-3.6% QoQ
 -7.6% 88.0%
+0.9% YoY
 74.8%
-1.7% YoY
 65.6%
-1.4% YoY
 23%
AMR $22,490
+21.8% YoY+0.4% QoQ
 $-8K $30,672
+5.5% YoY
 $29,247
+2.9% YoY
 $19,920
+1.6% YoY
 Bottom 14.1% in tier
CD Concentration 16.9%
-10.7% YoY+1.5% QoQ
 -11.9% 28.8% 22.5% 19.8% Bottom 8.1% in tier
Indirect Auto % 41.5%
-21.1% YoY-1.7% QoQ
 +23.4% 18.1% 16.1% 7.7% Bottom 8.6% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#7 of 125 • Top 1.8% in tier

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

Why This Signature
AMR Growth (YoY): 21.79%
(Tier: 3.34%, National: 6.36%)
better than tier avg
125 of 384 Mid-Market CUs have this signature | 637 nationally
↑ Growing +31 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk
#1 of 198 • Bottom 3.2% in tier

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

Why This Signature
Asset Growth (YoY): 28.70%
(Tier: 6.82%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 41.49%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 1.81%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY | Rank improving

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 78 peers in tier

Top Strengths (9 metrics)

2
AMR Growth Rate
growth
Value: 21.79%
Peer Median: 2.86%
#2 of 78 Top 1.3% in 3B-5B tier
3
Deposit Growth Rate
growth
Value: 32.65%
Peer Median: 5.31%
#3 of 78 Top 2.6% in 3B-5B tier
4
Asset Growth Rate
growth
Value: 28.70%
Peer Median: 5.44%
#4 of 78 Top 3.8% in 3B-5B tier
4
Total Delinquency Rate (60+ days)
risk
Value: 0.19%
Peer Median: 0.54%
#4 of 78 Top 3.8% in 3B-5B tier
5
Share Certificate Concentration (%)
balance_sheet
Value: 16.93%
Peer Median: 31.76%
#5 of 78 Top 5.1% in 3B-5B tier
7
Loan Growth Rate
growth
Value: 14.67%
Peer Median: 5.73%
#7 of 78 Top 7.7% in 3B-5B tier
7
First Mortgage Concentration (%)
balance_sheet
Value: 15.61%
Peer Median: 32.80%
#7 of 78 Top 7.7% in 3B-5B tier
9
Return on Assets (ROA)
profitability
Value: 1.38%
Peer Median: 0.75%
#9 of 78 Top 10.3% in 3B-5B tier
12
Net Interest Margin (NIM)
profitability
Value: 3.79%
Peer Median: 3.23%
#12 of 78 Top 14.1% in 3B-5B tier

Top Weaknesses (7 metrics)

72
Total Assets
balance_sheet
Value: $3.09B
Peer Median: $3.94B
#72 of 78 Bottom 9.0% in 3B-5B tier
72
Total Loans
balance_sheet
Value: $2.14B
Peer Median: $2.92B
#72 of 78 Bottom 9.0% in 3B-5B tier
70
Indirect Auto Concentration (%)
balance_sheet
Value: 41.49%
Peer Median: 18.10%
#70 of 78 Bottom 11.5% in 3B-5B tier
69
Total Deposits
balance_sheet
Value: $2.66B
Peer Median: $3.34B
#69 of 78 Bottom 12.8% in 3B-5B tier
69
Loan-to-Member Ratio (LMR)
engagement
Value: $10,020
Peer Median: $13,137
#69 of 78 Bottom 12.8% in 3B-5B tier
67
Average Member Relationship (AMR)
engagement
Value: $22,490
Peer Median: $28,813
#67 of 78 Bottom 15.4% in 3B-5B tier
60
Loan-to-Share Ratio
balance_sheet
Value: 80.35%
Peer Median: 90.65%
#60 of 78 Bottom 24.4% in 3B-5B tier
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