BlastPoint's Credit Union Scorecard
HAR-CO
Charter #68639 · MD
HAR-CO has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.07% above tier average
- + Net Charge-Off Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 1.45% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 5.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,626
-1.2% YoY+0.2% QoQ
|
-1.5K |
15,145
-2.5% YoY
|
35,042
+5.0% YoY
|
33,913
+5.7% YoY
|
52% |
| Assets |
$285.5M
+5.0% YoY+5.0% QoQ
|
+$53.8M |
$231.7M
+0.8% YoY
|
$654.4M
+9.6% YoY
|
$578.3M
+9.0% YoY
|
71% |
| Loans |
$190.9M
+4.9% YoY+0.4% QoQ
|
+$46.8M |
$144.1M
+0.2% YoY
|
$458.0M
+7.3% YoY
|
$402.4M
+8.7% YoY
|
74% |
| Deposits |
$256.6M
+5.0% YoY+5.6% QoQ
|
+$55.5M |
$201.1M
+0.4% YoY
|
$558.1M
+9.3% YoY
|
$494.3M
+9.1% YoY
|
72% |
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| ROA |
0.5%
-28.9% YoY-30.6% QoQ
|
-0.2% |
0.7%
+5.1% YoY
|
0.5%
+20.2% YoY
|
0.4%
-39.2% YoY
|
37% |
| NIM |
3.7%
-0.5% YoY-6.0% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
3.4%
+2.6% YoY
|
3.8%
+4.1% YoY
|
56% |
| Efficiency Ratio |
79.5%
-1.7% YoY+0.2% QoQ
|
+1.4% |
78.0%
-1.7% YoY
|
82.5%
-2.2% YoY
|
84.6%
+2.8% YoY
|
53% |
| Delinquency Rate |
0.5%
+104.0% YoY-45.2% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
1.2%
+17.1% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
74.4%
-0.1% YoY-4.9% QoQ
|
+4.0% |
70.4%
-0.4% YoY
|
63.5%
+1.0% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$32,848
+6.2% YoY+3.1% QoQ
|
+$8K |
$24,918
+2.7% YoY
|
$21,172
+3.9% YoY
|
$19,920
+1.6% YoY
|
Top 12.8% in tier |
| CD Concentration |
19.2%
+10.8% YoY+1.5% QoQ
|
-5.1% | 24.3% | 21.1% | 19.8% | 50% |
| Indirect Auto % |
7.2%
+3.4% YoY-4.9% QoQ
|
-6.6% | 13.8% | 7.3% | 7.7% | 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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)