BlastPoint's Credit Union Scorecard
HIALEAH MUNICIPAL EMPLOYEES
Charter #7534 · FL
HIALEAH MUNICIPAL EMPLOYEES has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.09% above tier average
- + Net Charge-Off Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Efficiency ratio 19.00% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,657
+2.4% YoY+1.0% QoQ
|
-958 |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$13.4M
+1.2% YoY+1.4% QoQ
|
$-16.7M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$8.2M
+10.2% YoY+2.2% QoQ
|
$-7.6M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$10.1M
+1.6% YoY+1.8% QoQ
|
$-15.6M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
-0.1%
-68.2% YoY-38.7% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.5% in tier |
| NIM |
5.0%
+21.1% YoY+1.3% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
Top 13.5% in tier |
| Efficiency Ratio |
101.6%
-5.4% YoY-1.4% QoQ
|
+19.0% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.1% in tier |
| Delinquency Rate |
0.1%
+15.5% YoY
|
-1.4 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
81.4%
+8.5% YoY+0.3% QoQ
|
+20.8% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$11,010
+2.8% YoY+1.0% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)