BlastPoint's Credit Union Scorecard

HUGHES

Charter #7531 · AZ

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 4 in AZ
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HUGHES has 9 strengths but faces 9 concerns

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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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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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

growth
#45 of 123 • Top 36.1% in tier

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

Why This Signature
AMR Growth (YoY): 8.95%
(Tier: 3.31%, National: 4.00%)
better than tier avg
123 of 378 Mid-Market CUs have this signature | 662 nationally
↑ Growing +38 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk
#8 of 211 • Bottom 3.3% in tier

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

Why This Signature
Delinquency Change (YoY): 1.00% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
211 of 378 Mid-Market CUs have this signature | 969 nationally
↓ Shrinking -59 CUs YoY | New qualifier

Credit Risk Growth

risk
#41 of 164 • Bottom 24.5% in tier

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

Why This Signature
Loan Growth (YoY): 4.94%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
Delinquency Change (YoY): 1.00% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
164 of 378 Mid-Market CUs have this signature | 665 nationally
→ No prior data (164 CUs now) | New qualifier

Indirect Auto Dependency

risk
#53 of 196 • Bottom 26.7% in tier

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

Why This Signature
Asset Growth (YoY): 10.88%
(Tier: 6.83%, National: 3.54%)
but better than tier avg
Indirect Auto %: 22.40%
(Tier: 18.31%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 0.12%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
196 of 378 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -11 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 302 peers in tier

Top Strengths (11 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 302 Top 0.0% in 1B-3B tier
2
Efficiency Ratio
profitability
Value: 51.70%
Peer Median: -
#2 of 302 Top 0.3% in 1B-3B tier
3
Net Interest Margin (NIM)
profitability
Value: 4.82%
Peer Median: -
#3 of 302 Top 0.7% in 1B-3B tier
6
Members Per Employee (MPE)
engagement
Value: 570.839
Peer Median: -
#6 of 302 Top 1.7% in 1B-3B tier
8
Total Members
engagement
Value: 188,377
Peer Median: -
#8 of 302 Top 2.3% in 1B-3B tier
14
Total Deposits
balance_sheet
Value: $2.35B
Peer Median: -
#14 of 302 Top 4.3% in 1B-3B tier
17
Total Loans
balance_sheet
Value: $2.12B
Peer Median: -
#17 of 302 Top 5.3% in 1B-3B tier
27
Deposit Growth Rate
growth
Value: 13.10%
Peer Median: -
#27 of 302 Top 8.6% in 1B-3B tier
36
Total Assets
balance_sheet
Value: $2.60B
Peer Median: -
#36 of 302 Top 11.6% in 1B-3B tier
38
AMR Growth Rate
growth
Value: 8.95%
Peer Median: -
#38 of 302 Top 12.3% in 1B-3B tier

Top Weaknesses (7 metrics)

301
Net Charge-Off Rate
risk
Value: 2.18%
Peer Median: -
#301 of 302 Bottom 0.7% in 1B-3B tier
298
Total Delinquency Rate (60+ days)
risk
Value: 2.86%
Peer Median: -
#298 of 302 Bottom 1.7% in 1B-3B tier
284
Return on Assets (ROA)
profitability
Value: 0.09%
Peer Median: -
#284 of 302 Bottom 6.3% in 1B-3B tier
283
Share Certificate Concentration (%)
balance_sheet
Value: 43.09%
Peer Median: -
#283 of 302 Bottom 6.6% in 1B-3B tier
276
Net Worth Ratio
risk
Value: 8.78%
Peer Median: -
#276 of 302 Bottom 8.9% in 1B-3B tier
263
Fee Income Per Member
profitability
Value: $137.01
Peer Median: -
#263 of 302 Bottom 13.2% in 1B-3B tier
232
Average Member Relationship (AMR)
engagement
Value: $23,750
Peer Median: -
#232 of 302 Bottom 23.5% in 1B-3B tier
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