BlastPoint's Credit Union Scorecard

HUGHES

Charter #7531 · AZ

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 4 in AZ
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HUGHES has 7 strengths but faces 8 concerns

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

growth
#69 of 125 • Top 18.2% in tier

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

Why This Signature
AMR Growth (YoY): 7.22%
(Tier: 3.34%, National: 6.36%)
better than tier avg
125 of 384 Mid-Market CUs have this signature | 637 nationally
↑ Growing +31 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk
#19 of 225 • Bottom 5.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.60% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Stagnation Risk

risk
#19 of 91 • Bottom 87.1% 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): -2.43%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
Loan Growth (YoY): 0.03%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
Delinquency Rate: 1.96%
(Tier: 0.75%, National: 1.19%)
worse than tier avg
91 of 384 Mid-Market CUs have this signature | 676 nationally
→ No prior data (91 CUs now) | New qualifier

Indirect Auto Dependency

risk
#69 of 198 • Bottom 32.9% in tier

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

Why This Signature
Asset Growth (YoY): 7.10%
(Tier: 6.82%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 22.51%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): -2.43%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY | Rank improving

Membership Headwinds

decline
#50 of 91 • Bottom 87.1% in tier

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

Why This Signature
Member Growth (YoY): -2.43%
(Tier: 3.50%, National: 10.19%)
worse than tier avg
91 of 384 Mid-Market CUs have this signature | 676 nationally
→ No prior data (91 CUs now) | New qualifier

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 306 peers in tier

Top Strengths (10 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 33.05%
#1 of 306 Top 0.1% in 1B-3B tier
3
Net Interest Margin (NIM)
profitability
Value: 4.87%
Peer Median: 3.37%
#3 of 306 Top 0.7% in 1B-3B tier
6
Efficiency Ratio
profitability
Value: 52.76%
Peer Median: 75.16%
#6 of 306 Top 1.6% in 1B-3B tier
6
Total Members
engagement
Value: 188,025
Peer Median: 85,918
#6 of 306 Top 1.6% in 1B-3B tier
6
Members Per Employee (MPE)
engagement
Value: 561.269
Peer Median: 345.077
#6 of 306 Top 1.6% in 1B-3B tier
14
Total Deposits
balance_sheet
Value: $2.39B
Peer Median: $1.31B
#14 of 306 Top 4.2% in 1B-3B tier
16
Total Loans
balance_sheet
Value: $2.08B
Peer Median: $1.11B
#16 of 306 Top 4.9% in 1B-3B tier
32
Total Assets
balance_sheet
Value: $2.64B
Peer Median: $1.51B
#32 of 306 Top 10.1% in 1B-3B tier
57
Deposit Growth Rate
growth
Value: 8.97%
Peer Median: 4.44%
#57 of 306 Top 18.3% in 1B-3B tier
58
AMR Growth Rate
growth
Value: 7.22%
Peer Median: 3.15%
#58 of 306 Top 18.6% in 1B-3B tier

Top Weaknesses (9 metrics)

305
Net Charge-Off Rate
risk
Value: 2.85%
Peer Median: 0.51%
#305 of 306 Bottom 0.7% in 1B-3B tier
298
Total Delinquency Rate (60+ days)
risk
Value: 1.96%
Peer Median: 0.63%
#298 of 306 Bottom 2.9% in 1B-3B tier
288
Share Certificate Concentration (%)
balance_sheet
Value: 43.10%
Peer Median: 27.93%
#288 of 306 Bottom 6.2% in 1B-3B tier
281
Net Worth Ratio
risk
Value: 8.75%
Peer Median: 10.85%
#281 of 306 Bottom 8.5% in 1B-3B tier
271
Fee Income Per Member
profitability
Value: $125.50
Peer Median: $191.54
#271 of 306 Bottom 11.8% in 1B-3B tier
264
Member Growth Rate
growth
Value: -2.43%
Peer Median: 2.03%
#264 of 306 Bottom 14.1% in 1B-3B tier
256
Return on Assets (ROA)
profitability
Value: 0.32%
Peer Median: 0.66%
#256 of 306 Bottom 16.7% in 1B-3B tier
246
Loan Growth Rate
growth
Value: 0.03%
Peer Median: 5.67%
#246 of 306 Bottom 19.9% in 1B-3B tier
236
Average Member Relationship (AMR)
engagement
Value: $23,786
Peer Median: $28,178
#236 of 306 Bottom 23.2% in 1B-3B tier
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