BlastPoint's Credit Union Scorecard
HAR-CO
Charter #68639 · MD
HAR-CO has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 47.6% in tier
- + Wallet Share Momentum: Top 96.3% in tier
- + Net Interest Margin 0.33% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 47.0% in tier
- - Credit Risk Growth: Bottom 58.9% in tier
- - Stagnation Risk: Bottom 84.8% in tier
- - Membership Headwinds: Bottom 89.2% in tier
- - ROA 0.03% below tier average
- - Efficiency ratio 2.31% above tier (higher cost structure)
- - Delinquency rate 0.09% above tier average
- - Members Per Employee (MPE): Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,601
-0.9% YoY-1.2% QoQ
|
-1.8K |
15,437
-2.9% YoY
|
34,239
+5.1% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$271.9M
+4.4% YoY+2.7% QoQ
|
+$40.1M |
$231.9M
+1.3% YoY
|
$633.8M
+10.2% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$190.1M
+4.4% YoY+1.5% QoQ
|
+$42.8M |
$147.3M
-0.1% YoY
|
$458.0M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$243.0M
+3.9% YoY+2.7% QoQ
|
+$42.2M |
$200.8M
+0.8% YoY
|
$535.8M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
0.7%
+10.6% YoY+0.7% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.6%
+24.3% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
3.9%
+3.0% YoY+0.9% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.5%
+4.9% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
79.3%
+0.5% YoY-0.2% QoQ
|
+2.3% |
77.0%
-3.1% YoY
|
79.3%
-5.8% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
1.0%
+29.4% YoY-9.7% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.3%
-2.3% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
78.2%
+0.5% YoY-1.2% QoQ
|
+6.0% |
72.2%
-1.1% YoY
|
65.5%
+0.8% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$31,847
+5.1% YoY+3.5% QoQ
|
+$7K |
$24,676
+3.4% YoY
|
$21,154
+5.1% YoY
|
$19,687
+2.0% YoY
|
Top 14.0% in tier |
| CD Concentration |
18.9%
+10.2% YoY+2.9% QoQ
|
-5.5% | 24.4% | 20.4% | 19.8% | 50% |
| Indirect Auto % |
7.5%
+17.8% YoY+1.2% QoQ
|
-6.3% | 13.8% | 7.3% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)