BlastPoint's Credit Union Scorecard
HEARTLAND AREA
Charter #9194 · NE
HEARTLAND AREA faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 2.82% below tier average
- - Efficiency ratio 57.70% above tier (higher cost structure)
- - Member decline: -8.2% YoY
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Net Charge-Off Rate: Bottom 8.9% in tier
Core Metrics
As of 2024-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,129
-8.2% YoY-4.0% QoQ
|
-537 |
2,666
-1.5% YoY
|
10,864
+1.5% YoY
|
31,574
+5.6% YoY
|
53% |
| Assets |
$27.3M
-4.9% YoY-1.5% QoQ
|
$-2.2M |
$29.5M
+0.5% YoY
|
$127.9M
+4.1% YoY
|
$512.2M
+5.7% YoY
|
57% |
| Loans |
$10.4M
-10.6% YoY-4.7% QoQ
|
$-5.6M |
$16.0M
-1.8% YoY
|
$90.9M
+1.5% YoY
|
$364.9M
+6.1% YoY
|
52% |
| Deposits |
$21.9M
-4.4% YoY+0.4% QoQ
|
$-3.4M |
$25.3M
-0.1% YoY
|
$110.1M
+6.7% YoY
|
$435.0M
+7.6% YoY
|
56% |
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| ROA |
-2.3%
+103.4% YoY+75.8% QoQ
|
-2.8% |
0.6%
-116.4% YoY
|
0.4%
-6.8% YoY
|
0.6%
-131.7% YoY
|
Bottom 2.5% in tier |
| NIM |
3.1%
+12.7% YoY+4.4% QoQ
|
-0.7% |
3.8%
+96.9% YoY
|
3.6%
+8.0% YoY
|
3.6%
+50.3% YoY
|
27% |
| Efficiency Ratio |
142.2%
+18.5% YoY+21.5% QoQ
|
+57.7% |
84.5%
-2.9% YoY
|
87.2%
-1.2% YoY
|
82.3%
-1.8% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate |
1.5%
-17.3% YoY-11.2% QoQ
|
-0.1 |
1.6%
+6.3% YoY
|
1.1%
+17.0% YoY
|
1.3%
+8.3% YoY
|
71% |
| Loan To Share |
47.5%
-6.5% YoY-5.1% QoQ
|
-15.0% |
62.6%
-1.1% YoY
|
70.8%
-4.0% YoY
|
68.6%
-1.2% YoY
|
27% |
| AMR |
$15,183
+1.9% YoY+2.8% QoQ
|
+$192 |
$14,991
+4.6% YoY
|
$16,799
+3.4% YoY
|
$19,294
+3.8% YoY
|
59% |
| CD Concentration |
4.4%
-35.3% YoY-13.8% QoQ
|
- | - | - | - | 50% |
| Indirect Auto % | 0.0% | - | - | - | - | 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)