BlastPoint's Credit Union Scorecard

HIALEAH MUNICIPAL EMPLOYEES

Charter #7534 · FL

<100M

2508 CUs in <100M nationally 35 in FL

HIALEAH MUNICIPAL EMPLOYEES has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.11% above tier average
+ Deposit Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

- ROA 0.20% below tier average
- Efficiency ratio 10.29% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	1,671 +2.9% YoY+0.8% QoQ	-1.0K	2,676 +1.6% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	44%
Assets	$14.1M +6.9% YoY+5.0% QoQ	$-16.1M	$30.2M +1.3% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	39%
Loans	$8.1M +8.7% YoY-0.7% QoQ	$-7.2M	$15.3M -2.0% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	46%
Deposits	$10.7M +9.3% YoY+6.6% QoQ	$-15.1M	$25.8M +0.7% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	38%

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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	-0.0% -91.2% YoY-61.6% QoQ	-0.2%	0.1% -77.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	20%
NIM	5.1% +11.2% YoY+1.4% QoQ	+1.1%	4.0% +4.0% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	Top 9.9% in tier
Efficiency Ratio	100.9% -8.3% YoY-0.6% QoQ	+10.3%	90.6% +6.5% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	Bottom 14.9% in tier
Delinquency Rate	0.0% -69.3% YoY-75.8% QoQ	-1.5	1.5% +3.8% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	15%
Loan To Share	75.8% -0.5% YoY-6.9% QoQ	+17.2%	58.5% -3.0% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	76%
AMR	$11,284 +6.0% YoY+2.5% QoQ	$-4K	$14,884 -1.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	35%
CD Concentration	0.0%	-24.3%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

239

Deposit Growth Rate

growth

Value: 9.30%

Peer Median: 0.66%

#239 of 2508 Top 9.5% in <100M tier

248

Net Interest Margin (NIM)

profitability

Value: 5.11%

Peer Median: 3.83%

#248 of 2508 Top 9.8% in <100M tier

303

Loan Growth Rate

growth

Value: 8.74%

Peer Median: -2.36%

#303 of 2508 Top 12.0% in <100M tier

310

Member Growth Rate

growth

Value: 2.89%

Peer Median: -1.37%

#310 of 2508 Top 12.3% in <100M tier

349

Net Worth Ratio

risk

Value: 23.10%

Peer Median: 14.28%

#349 of 2508 Top 13.9% in <100M tier

379

Asset Growth Rate

growth

Value: 6.95%

Peer Median: 1.30%

#379 of 2508 Top 15.1% in <100M tier

387

Total Delinquency Rate (60+ days)

risk

Value: 0.03%

Peer Median: 0.65%

#387 of 2508 Top 15.4% in <100M tier

Top Weaknesses (2 metrics)

2136

Efficiency Ratio

profitability

Value: 100.92%

Peer Median: 81.45%

#2136 of 2508 Bottom 14.9% in <100M tier

2006

Return on Assets (ROA)

profitability

Value: -0.05%

Peer Median: 0.61%

#2006 of 2508 Bottom 20.1% in <100M tier