BlastPoint's Credit Union Scorecard
HUGHES
Charter #7531 · AZ
HUGHES has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does AZ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 18.2% in tier
- + Net Interest Margin 1.52% above tier average
- + Efficiency Ratio: Top 1.6% in tier
- + Total Members: Top 1.6% in tier
- + Members Per Employee (MPE): Top 1.6% in tier
- + Total Deposits: Top 4.2% in tier
- + Total Loans: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.0% in tier
- - Indirect Auto Dependency: Bottom 32.9% in tier
- - Stagnation Risk: Bottom 87.1% in tier
- - Membership Headwinds: Bottom 87.1% in tier
- - ROA 0.40% below tier average
- - Delinquency rate 1.20% above tier average
- - Member decline: -2.4% YoY
- - Net Charge-Off Rate: Bottom 0.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
188,025
-2.4% YoY-0.2% QoQ
|
+92.0K |
96,048
-2.7% YoY
|
61,699
+4.0% YoY
|
33,913
+5.7% YoY
|
Top 2.0% in tier |
| Assets |
$2.6B
+7.1% YoY+1.3% QoQ
|
+$917.9M |
$1.7B
+0.4% YoY
|
$1.1B
+9.9% YoY
|
$578.3M
+9.0% YoY
|
Top 10.5% in tier |
| Loans |
$2.1B
+0.0% YoY-1.7% QoQ
|
+$869.4M |
$1.2B
+0.2% YoY
|
$678.0M
+10.6% YoY
|
$402.4M
+8.7% YoY
|
Top 5.2% in tier |
| Deposits |
$2.4B
+9.0% YoY+1.5% QoQ
|
+$923.8M |
$1.5B
+0.5% YoY
|
$945.2M
+9.4% YoY
|
$494.3M
+9.1% YoY
|
Top 4.6% in tier |
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| ROA |
0.3%
-40.9% YoY+244.7% QoQ
|
-0.4% |
0.7%
+27.6% YoY
|
0.7%
+1.0% YoY
|
0.4%
-39.2% YoY
|
16% |
| NIM |
4.9%
+2.3% YoY+1.2% QoQ
|
+1.5% |
3.4%
+6.2% YoY
|
3.9%
+0.5% YoY
|
3.8%
+4.1% YoY
|
Top 1.0% in tier |
| Efficiency Ratio |
52.8%
-11.9% YoY+2.1% QoQ
|
-21.9% |
74.6%
-3.0% YoY
|
76.9%
-1.0% YoY
|
84.6%
+2.8% YoY
|
Top 1.6% in tier |
| Delinquency Rate |
2.0%
+44.6% YoY-31.5% QoQ
|
+1.2 |
0.8%
+6.9% YoY
|
0.8%
+8.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.9% in tier |
| Loan To Share |
87.2%
-8.2% YoY-3.1% QoQ
|
+4.0% |
83.2%
-0.4% YoY
|
68.3%
-2.8% YoY
|
65.6%
-1.4% YoY
|
56% |
| AMR |
$23,786
+7.2% YoY+0.2% QoQ
|
$-6K |
$29,652
+2.3% YoY
|
$19,742
+4.3% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
43.1%
+19.9% YoY+0.0% QoQ
|
+14.3% | 28.8% | 17.3% | 19.8% | Top 7.6% in tier |
| Indirect Auto % |
22.5%
+4.3% YoY+0.5% QoQ
|
+4.4% | 18.1% | 21.9% | 7.7% | 65% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)