BlastPoint's Credit Union Scorecard
HUGHES
Charter #7531 · AZ
HUGHES has 9 strengths but faces 9 concerns
How does the industry compare?
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How does AZ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 36.1% in tier
- + Net Interest Margin 1.54% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.3% in tier
- + Members Per Employee (MPE): Top 1.7% in tier
- + Total Members: Top 2.3% in tier
- + Total Deposits: Top 4.3% in tier
- + Total Loans: Top 5.3% in tier
- + Deposit Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.3% in tier
- - Credit Risk Growth: Bottom 24.5% in tier
- - Indirect Auto Dependency: Bottom 26.7% in tier
- - ROA 0.59% below tier average
- - Delinquency rate 1.97% above tier average
- - Net Charge-Off Rate: Bottom 0.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.7% in tier
- - Share Certificate Concentration (%): Bottom 6.6% in tier
- - Net Worth Ratio: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
188,377
+0.1% YoY-0.1% QoQ
|
+90.9K |
97,431
-2.4% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
Top 2.6% in tier |
| Assets |
$2.6B
+10.9% YoY+0.5% QoQ
|
+$881.2M |
$1.7B
+0.9% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
Top 11.9% in tier |
| Loans |
$2.1B
+4.9% YoY-1.3% QoQ
|
+$884.7M |
$1.2B
+0.5% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
Top 5.6% in tier |
| Deposits |
$2.4B
+13.1% YoY+0.6% QoQ
|
+$895.6M |
$1.5B
+0.9% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
Top 4.6% in tier |
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| ROA |
0.1%
-29.6% YoY-75.6% QoQ
|
-0.6% |
0.7%
+20.9% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.0% in tier |
| NIM |
4.8%
+23.5% YoY+1.0% QoQ
|
+1.5% |
3.3%
+9.2% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Top 1.0% in tier |
| Efficiency Ratio |
51.7%
-17.0% YoY-5.1% QoQ
|
-22.4% |
74.1%
-9.5% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.3% in tier |
| Delinquency Rate |
2.9%
+53.8% YoY+46.6% QoQ
|
+2.0 |
0.9%
+6.2% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
Top 1.7% in tier |
| Loan To Share |
90.0%
-7.2% YoY-1.9% QoQ
|
+5.2% |
84.8%
-0.8% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$23,750
+9.0% YoY-0.2% QoQ
|
$-6K |
$29,428
+2.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
43.1%
+29.8% YoY+4.8% QoQ
|
+14.0% | 29.0% | 17.2% | 19.8% | Top 8.0% in tier |
| Indirect Auto % |
22.4%
+6.9% YoY+0.7% QoQ
|
+4.1% | 18.3% | 22.5% | 7.8% | 65% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)