BlastPoint's Credit Union Scorecard

HUGHES

Charter #7531 · AZ

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 4 in AZ

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HUGHES has 13 strengths but faces 9 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 27.8% 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

- Credit Risk Growth: 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

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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	0.4% +169.8% YoY-3.8% QoQ	-0.3%	0.7% +13.4% YoY	0.8% +38.7% YoY	0.7% +273.4% YoY	20%
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	62%
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	26%
CD Concentration	41.1% +25.9% YoY+6.7% QoQ	+12.2%	29.0% +0.7% 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	+3.5%	18.8% -3.0% YoY	23.2% -8.0% YoY	7.9% -2.9% YoY	62%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#33 of 116 • Top 27.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.86%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 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: 18.77%, 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)

Credit Risk Growth

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: 18.77%, 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: 86.32%, 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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (12 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.77%

Peer Avg: -

#3 of 304 Top 0.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 54.50%

Peer Avg: -

#5 of 304 Top 1.3% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 571.391

Peer Avg: -

#7 of 304 Top 2.0% in 1B-3B tier

Total Members

engagement

Value: 188,559

Peer Avg: -

#9 of 304 Top 2.6% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.15B

Peer Avg: -

#16 of 304 Top 4.9% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.34B

Peer Avg: -

#16 of 304 Top 4.9% in 1B-3B tier

Deposit Growth Rate

growth

Value: 13.11%

Peer Avg: -

#24 of 304 Top 7.6% in 1B-3B tier

Loan Growth Rate

growth

Value: 14.55%

Peer Avg: -

#25 of 304 Top 7.9% in 1B-3B tier

AMR Growth Rate

growth

Value: 9.86%

Peer Avg: -

#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: -

#303 of 304 Bottom 0.7% in 1B-3B tier

292

Total Delinquency Rate (60+ days)

risk

Value: 1.95%

Peer Avg: -

#292 of 304 Bottom 4.3% in 1B-3B tier

281

Share Certificate Concentration (%)

balance_sheet

Value: 41.12%

Peer Avg: -

#281 of 304 Bottom 7.9% in 1B-3B tier

262

Fee Income Per Member

profitability

Value: $140.46

Peer Avg: -

#262 of 304 Bottom 14.1% in 1B-3B tier

252

Net Worth Ratio

risk

Value: 9.30%

Peer Avg: -

#252 of 304 Bottom 17.4% in 1B-3B tier

242

Return on Assets (ROA)

profitability

Value: 0.38%

Peer Avg: -

#242 of 304 Bottom 20.7% in 1B-3B tier