BlastPoint's Credit Union Scorecard

HUGHES

Charter #7531 · AZ

Mid-Market 1B-3B

Hughes at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Hughes is one of 101 credit unions in the 2026 VentureTech card set. We also found Hughes's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Hughes

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HUGHES
PEER · AT VENTURETECH
PEER · AT VENTURETECH
HUGHES'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 5 in AZ

View Mid-Market leaderboard →

HUGHES has 6 strengths but faces 8 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

+ Net Interest Margin 1.59% above tier average
+ Efficiency Ratio: Top 1.7% in tier
+ Total Members: Top 2.0% in tier
+ Members Per Employee (MPE): Top 2.3% in tier
+ Total Loans: Top 5.0% in tier
+ Total Deposits: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.6% in tier
- Institutional Decline: Bottom 29.3% in tier
- Indirect Auto Dependency: Bottom 82.3% in tier
- Stagnation Risk: Bottom 88.4% in tier
- Membership Headwinds: Bottom 88.4% in tier
- ROA 0.70% below tier average
- Delinquency rate 1.41% above tier average
- Member decline: -2.4% YoY

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	191,474 -2.4% YoY+1.8% QoQ	+94.6K	96,861 -1.9% YoY	62,580 +4.2% YoY	34,678 +6.6% YoY	Top 2.3% in tier
Assets	$2.6B +1.1% YoY-1.5% QoQ	+$875.1M	$1.7B +0.4% YoY	$1.1B +8.8% YoY	$593.1M +10.2% YoY	Top 11.7% in tier
Loans	$2.1B -1.9% YoY+0.3% QoQ	+$855.4M	$1.2B +0.7% YoY	$693.0M +9.0% YoY	$418.6M +10.1% YoY	Top 5.3% in tier
Deposits	$2.4B +2.2% YoY-1.6% QoQ	+$888.5M	$1.5B +0.5% YoY	$946.4M +8.0% YoY	$504.8M +10.3% YoY	Top 7.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% -69.7% YoY-62.5% QoQ	-0.7%	0.8% +27.6% YoY	0.9% +15.7% YoY	1.2% +121.4% YoY	Bottom 4.3% in tier
NIM	5.0% +6.5% YoY+2.9% QoQ	+1.6%	3.4% +6.6% YoY	4.0% +1.6% YoY	3.8% +2.3% YoY	Top 0.7% in tier
Efficiency Ratio	51.9% -7.6% YoY-1.6% QoQ	-21.1%	73.0% -2.7% YoY	75.7% -0.5% YoY	83.0% -5.3% YoY	Top 1.7% in tier
Delinquency Rate	2.3% +58.3% YoY+16.2% QoQ	+1.4	0.9% +7.3% YoY	0.9% +18.9% YoY	1.3% +2.6% YoY	Bottom 3.0% in tier
Loan To Share	88.8% -4.0% YoY+1.9% QoQ	+4.1%	84.7% +0.1% YoY	69.6% -1.2% YoY	66.4% -1.4% YoY	55%
AMR	$23,196 +2.7% YoY-2.5% QoQ	$-6K	$29,575 +1.5% YoY	$19,787 +3.1% YoY	$20,028 -0.9% YoY	19%
CD Concentration	43.4% +12.7% YoY+0.8% QoQ	+14.4%	29.1%	17.9%	20.0%	Top 7.5% in tier
Indirect Auto %	22.5% +3.3% YoY-0.1% QoQ	+4.4%	18.1%	21.3%	7.7%	66%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#6 of 215 • Bottom 1.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.84% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Stagnation Risk

risk

#15 of 86 • Bottom 88.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.39%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.88%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 2.28%

(Tier: 0.86%, National: 1.26%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Institutional Decline

decline

#13 of 25 • Bottom 29.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $2.60B

(Tier: $2.16B, National: $593.11M)

but better than tier avg

Member Growth (YoY): -2.39%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.88%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

25 of 377 Mid-Market CUs have this signature | 261 nationally

↓ Shrinking -12 CUs YoY | New qualifier

Membership Headwinds

decline

#44 of 86 • Bottom 88.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.39%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#142 of 193 • Bottom 82.3% in tier

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

Why This Signature

Asset Growth (YoY): 1.08%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 22.49%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -2.39%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

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 300 peers in tier

Top Strengths (8 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 33.59%

#1 of 300 Top 0.1% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 5.01%

Peer Median: 3.46%

#2 of 300 Top 0.3% in 1B-3B tier

Efficiency Ratio

profitability

Value: 51.92%

Peer Median: 73.62%

#6 of 300 Top 1.7% in 1B-3B tier

Total Members

engagement

Value: 191,474

Peer Median: 86,516

#7 of 300 Top 2.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 559.865

Peer Median: 346.173

#8 of 300 Top 2.3% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.09B

Peer Median: $1.14B

#16 of 300 Top 5.0% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.35B

Peer Median: $1.30B

#23 of 300 Top 7.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.60B

Peer Median: $1.51B

#35 of 300 Top 11.3% in 1B-3B tier

Top Weaknesses (10 metrics)

299

Net Charge-Off Rate

risk

Value: 2.86%

Peer Median: 0.52%

#299 of 300 Bottom 0.7% in 1B-3B tier

292

Total Delinquency Rate (60+ days)

risk

Value: 2.28%

Peer Median: 0.70%

#292 of 300 Bottom 3.0% in 1B-3B tier

287

Return on Assets (ROA)

profitability

Value: 0.12%

Peer Median: 0.77%

#287 of 300 Bottom 4.7% in 1B-3B tier

282

Share Certificate Concentration (%)

balance_sheet

Value: 43.44%

Peer Median: 28.24%

#282 of 300 Bottom 6.3% in 1B-3B tier

273

Net Worth Ratio

risk

Value: 8.86%

Peer Median: 10.91%

#273 of 300 Bottom 9.3% in 1B-3B tier

269

Fee Income Per Member

profitability

Value: $128.58

Peer Median: $204.73

#269 of 300 Bottom 10.7% in 1B-3B tier

268

Loan Growth Rate

growth

Value: -1.88%

Peer Median: 5.71%

#268 of 300 Bottom 11.0% in 1B-3B tier

262

Member Growth Rate

growth

Value: -2.39%

Peer Median: 1.84%

#262 of 300 Bottom 13.0% in 1B-3B tier

246

Asset Growth Rate

growth

Value: 1.08%

Peer Median: 5.21%

#246 of 300 Bottom 18.3% in 1B-3B tier

242

Average Member Relationship (AMR)

engagement

Value: $23,196

Peer Median: $28,089

#242 of 300 Bottom 19.7% in 1B-3B tier