HUGHES

Charter #7531 | AZ

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in AZ

HUGHES has 14 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 4.4% in tier
  • + Relationship Depth Leader: Top 22.3% in tier
  • + Organic Growth Engine: Top 28.2% in tier
  • + Net Interest Margin 1.50% above tier average
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Efficiency Ratio: Top 1.3% in tier
  • + Members Per Employee (MPE): Top 2.0% in tier
  • + Total Members: Top 2.6% in tier
  • + Total Loans: Top 4.9% in tier
  • + Total Deposits: Top 4.9% in tier
  • + Deposit Growth Rate: Top 7.6% in tier
  • + Loan Growth Rate: Top 7.9% in tier
  • + AMR Growth Rate: Top 9.2% in tier
  • + Asset Growth Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 2.0% in tier
  • - Credit Quality Pressure: Bottom 8.1% in tier
  • - Indirect Auto Dependency: Bottom 12.8% in tier
  • - Liquidity Strain: Bottom 19.8% in tier
  • - ROA 0.33% below tier average
  • - Delinquency rate 1.13% above tier average
  • - Net Charge-Off Rate: Bottom 0.7% in tier
  • - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
  • - Share Certificate Concentration (%): Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 188,559
+3.6% YoY-3.9% QoQ
 +89.9K 98,678
-1.9% YoY
 60,829
+5.9% YoY
 33,089
+6.1% YoY
 Top 3.0% in tier
Assets $2.6B
+10.8% YoY+0.8% QoQ
 +$872.0M $1.7B
+0.5% YoY
 $1.0B
+8.7% YoY
 $547.7M
+7.8% YoY
 Top 10.5% in tier
Loans $2.1B
+14.6% YoY+0.8% QoQ
 +$914.6M $1.2B
+0.5% YoY
 $651.1M
+13.2% YoY
 $388.7M
+8.6% YoY
 Top 5.3% in tier
Deposits $2.3B
+13.1% YoY+1.7% QoQ
 +$885.8M $1.5B
+1.3% YoY
 $883.8M
+10.9% YoY
 $464.6M
+9.3% YoY
 Top 5.3% in tier
ROA 0.4%
+169.8% YoY-3.8% QoQ
 -0.3% 0.7%
+13.4% YoY
 0.8%
+38.7% YoY
 0.7%
+273.4% YoY
 Bottom 20.4% in tier
NIM 4.8%
+31.5% YoY+1.3% QoQ
 +1.5% 3.3%
+9.3% YoY
 4.0%
+6.6% YoY
 3.7%
+5.0% YoY
 Top 1.0% in tier
Efficiency Ratio 54.5%
-15.7% YoY-3.0% QoQ
 -19.5% 74.0%
-10.9% YoY
 75.3%
-3.3% YoY
 79.1%
-3.3% YoY
 Bottom 1.3% in tier
Delinquency Rate 2.0%
+11.7% YoY+35.8% QoQ
 +1.1 0.8%
+6.1% YoY
 0.9%
+2.1% YoY
 1.2%
-0.9% YoY
 Top 4.3% in tier
Loan To Share 91.8%
+1.3% YoY-0.8% QoQ
 +6.6% 85.2%
-0.8% YoY
 71.1%
-3.6% YoY
 68.0%
-1.7% YoY
 62nd in tier
AMR $23,801
+9.9% YoY+5.4% QoQ
 $-5K $29,172
+2.8% YoY
 $19,058
+3.8% YoY
 $19,418
+1.3% YoY
 26th in tier
CD Concentration 41.1%
+25.9% YoY+6.7% QoQ
 +12.1% 29.0%
+0.8% YoY
 16.8%
+14.1% YoY
 19.6%
+6.2% YoY
 Top 9.5% in tier
Indirect Auto % 22.2%
+6.1% YoY+2.2% QoQ
 +3.4% 18.8%
-2.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 62nd in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#33 of 264 • Top 4.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.86%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#162 of 264 • Top 22.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 9.86%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.1K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Engine

growth
#205 of 246 • Top 28.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.58%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.38%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 22.24%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (4)

Growth-at-Risk

risk
#12 of 161 • Bottom 2.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 14.55%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.21% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk
#63 of 217 • Bottom 8.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.21% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#80 of 202 • Bottom 12.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 10.82%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 22.24%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.58%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Strain

risk
#105 of 183 • Bottom 19.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.77%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 14.55%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

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)

Comparing against 304 peers in tier

Top Strengths (12 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 34.01%
#1 of 304 Top 0.0% in 1B-3B tier
3
Net Interest Margin (NIM)
profitability
Value: 4.77%
Peer Avg: 3.26%
#3 of 304 Top 0.7% in 1B-3B tier
5
Efficiency Ratio
profitability
Value: 54.50%
Peer Avg: 73.97%
#5 of 304 Top 1.3% in 1B-3B tier
7
Members Per Employee (MPE)
engagement
Value: 571.391
Peer Avg: 364.953
#7 of 304 Top 2.0% in 1B-3B tier
9
Total Members
engagement
Value: 188,559
Peer Avg: 98,678
#9 of 304 Top 2.6% in 1B-3B tier
16
Total Loans
balance_sheet
Value: $2.15B
Peer Avg: $1.23B
#16 of 304 Top 4.9% in 1B-3B tier
16
Total Deposits
balance_sheet
Value: $2.34B
Peer Avg: $1.45B
#16 of 304 Top 4.9% in 1B-3B tier
24
Deposit Growth Rate
growth
Value: 13.11%
Peer Avg: 5.58%
#24 of 304 Top 7.6% in 1B-3B tier
25
Loan Growth Rate
growth
Value: 14.55%
Peer Avg: 5.27%
#25 of 304 Top 7.9% in 1B-3B tier
29
AMR Growth Rate
growth
Value: 9.86%
Peer Avg: 3.29%
#29 of 304 Top 9.2% in 1B-3B tier

Top Weaknesses (6 metrics)

303
Net Charge-Off Rate
risk
Value: 2.38%
Peer Avg: 0.60%
#303 of 304 Bottom 0.7% in 1B-3B tier
292
Total Delinquency Rate (60+ days)
risk
Value: 1.95%
Peer Avg: 0.83%
#292 of 304 Bottom 4.3% in 1B-3B tier
281
Share Certificate Concentration (%)
balance_sheet
Value: 41.12%
Peer Avg: 28.53%
#281 of 304 Bottom 7.9% in 1B-3B tier
262
Fee Income Per Member
profitability
Value: $140.46
Peer Avg: $210.52
#262 of 304 Bottom 14.1% in 1B-3B tier
252
Net Worth Ratio
risk
Value: 9.30%
Peer Avg: 11.44%
#252 of 304 Bottom 17.4% in 1B-3B tier
242
Return on Assets (ROA)
profitability
Value: 0.38%
Peer Avg: 0.70%
#242 of 304 Bottom 20.7% in 1B-3B tier