BlastPoint's Credit Union Scorecard

HEALTHCARE FINANCIAL

Charter #68745 · CT

<100M

2508 CUs in <100M nationally 43 in CT

HEALTHCARE FINANCIAL has 4 strengths but faces 3 concerns

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.15% above tier average
+ Total Members: Top 3.0% in tier
+ AMR Growth Rate: Top 6.4% in tier
+ Total Loans: Top 7.2% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 4.64% above tier (higher cost structure)
- Member decline: -13.0% YoY
- Member Growth Rate: Bottom 3.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	8,186 -13.0% YoY-14.8% QoQ	+5.5K	2,676 +1.6% YoY	14,157 +8.2% YoY	33,913 +5.7% YoY	Top 3.0% in tier
Assets	$65.4M -0.3% YoY+1.4% QoQ	+$35.2M	$30.2M +1.3% YoY	$246.5M +13.9% YoY	$578.3M +9.0% YoY	Top 14.4% in tier
Loans	$44.1M -3.8% YoY-5.0% QoQ	+$28.8M	$15.3M -2.0% YoY	$136.3M +13.4% YoY	$402.4M +8.7% YoY	Top 7.3% in tier
Deposits	$57.0M -0.7% YoY+1.8% QoQ	+$31.2M	$25.8M +0.7% YoY	$217.1M +13.8% YoY	$494.3M +9.1% YoY	Top 14.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% +124.5% YoY+242.8% QoQ	+0.2%	0.1% -77.6% YoY	0.6% +218.7% YoY	0.4% -39.2% YoY	35%
NIM	4.0% +3.8% YoY-4.6% QoQ	+0.0%	4.0% +4.0% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	95.3% +1.1% YoY-1.9% QoQ	+4.6%	90.6% +6.5% YoY	83.6% -6.8% YoY	84.6% +2.8% YoY	78%
Delinquency Rate	0.3% -60.9% YoY+29.9% QoQ	-1.2	1.5% +3.8% YoY	2.5% +122.5% YoY	1.2% +3.4% YoY	32%
Loan To Share	77.4% -3.2% YoY-6.7% QoQ	+18.9%	58.5% -3.0% YoY	52.8% -1.3% YoY	65.6% -1.4% YoY	79%
AMR	$12,345 +12.5% YoY+15.8% QoQ	$-3K	$14,884 -1.7% YoY	$17,581 +5.9% YoY	$19,920 +1.6% YoY	41%
CD Concentration	3.3% -2.7% YoY-2.5% QoQ	-21.0%	24.3%	14.5%	19.8%	50%
Indirect Auto %	1.0% -87.8% YoY-79.1% QoQ	-12.8%	13.8%	4.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

Total Members

engagement

Value: 8,186

Peer Median: 1,918

#75 of 2508 Top 3.0% in <100M tier

161

AMR Growth Rate

growth

Value: 12.52%

Peer Median: 1.27%

#161 of 2508 Top 6.4% in <100M tier

182

Total Loans

balance_sheet

Value: $44.09M

Peer Median: $9.48M

#182 of 2508 Top 7.2% in <100M tier

337

Fee Income Per Member

profitability

Value: $142.45

Peer Median: $60.42

#337 of 2508 Top 13.4% in <100M tier

351

Total Deposits

balance_sheet

Value: $56.96M

Peer Median: $18.77M

#351 of 2508 Top 14.0% in <100M tier

362

Total Assets

balance_sheet

Value: $65.39M

Peer Median: $21.86M

#362 of 2508 Top 14.4% in <100M tier

415

Members Per Employee (MPE)

engagement

Value: 481.529

Peer Median: 333.750

#415 of 2508 Top 16.5% in <100M tier

533

Loan-to-Share Ratio

balance_sheet

Value: 77.41%

Peer Median: 58.72%

#533 of 2508 Top 21.2% in <100M tier

Top Weaknesses (4 metrics)

2414

Member Growth Rate

growth

Value: -13.00%

Peer Median: -1.37%

#2414 of 2508 Bottom 3.8% in <100M tier

2201

First Mortgage Concentration (%)

balance_sheet

Value: 42.17%

Peer Median: 3.66%

#2201 of 2508 Bottom 12.3% in <100M tier

2168

Indirect Auto Concentration (%)

balance_sheet

Value: 1.00%

Peer Median: 0.00%

#2168 of 2508 Bottom 13.6% in <100M tier

1971

Efficiency Ratio

profitability

Value: 95.28%

Peer Median: 81.45%

#1971 of 2508 Bottom 21.5% in <100M tier