BlastPoint's Credit Union Scorecard
HEMINGFORD COMMUNITY
Charter #7210 · NE
HEMINGFORD COMMUNITY has 2 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 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 4.79% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
995
-1.6% YoY+0.1% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$9.0M
+3.0% YoY-2.3% QoQ
|
$-20.8M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$6.0M
+9.5% YoY+0.1% QoQ
|
$-9.7M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$8.0M
+2.8% YoY-2.7% QoQ
|
$-17.4M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
0.6%
-39.7% YoY+1.9% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
3.9%
-3.8% YoY+6.3% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
51% |
| Efficiency Ratio |
86.2%
+13.0% YoY+0.2% QoQ
|
+4.8% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.4%
+5371.8% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
36% |
| Loan To Share |
75.2%
+6.5% YoY+3.0% QoQ
|
+14.0% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$14,113
+7.2% YoY-1.6% QoQ
|
$-514 |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
52% |
| CD Concentration |
10.2%
-24.5% YoY+1.7% QoQ
|
-14.2% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
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)