BlastPoint's Credit Union Scorecard
HEMINGFORD COMMUNITY
Charter #7210 · NE
HEMINGFORD COMMUNITY has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 7.7% in tier
- + Loan Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Efficiency ratio 8.33% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
992
-1.0% YoY-0.3% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$9.1M
-1.5% YoY+0.1% QoQ
|
$-21.1M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$6.3M
+10.9% YoY+4.6% QoQ
|
$-9.5M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$8.0M
-2.0% YoY+0.2% QoQ
|
$-17.7M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
0.3%
-50.0% YoY-43.8% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
3.9%
+1.6% YoY-0.6% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
90.9%
+9.8% YoY+5.5% QoQ
|
+8.3% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
0.5%
+7254.4% YoY+42.7% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
78.5%
+13.1% YoY+4.4% QoQ
|
+17.9% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$14,445
+4.3% YoY+2.4% QoQ
|
$-337 |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
10.4%
-19.0% YoY+1.8% QoQ
|
-14.1% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)