BlastPoint's Credit Union Scorecard

HUGHES

Charter #7531 · AZ

Mid-Market 1B-3B

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

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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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Arizona.
Shares and deposits +2.2% year over year ($2.35B in shares and deposits).
Membership: 191,474 members, -2.4% vs a year ago.
Delinquency rate 2.28%.
Return on assets 0.12%.
Efficiency ratio 51.92% vs a 73.02% peer average.
Loan-to-share ratio 88.85% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

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

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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