BlastPoint's Credit Union Scorecard
HEEKIN CAN EMPL
Charter #96821 · OH
HEEKIN CAN EMPL has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Net Worth Ratio: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - ROA 8.51% below tier average
- - Efficiency ratio 209.87% above tier (higher cost structure)
- - Delinquency rate 2.61% above tier average
- - Member decline: -28.4% YoY
- - Total Deposits: Bottom 0.4% in tier
- - Total Members: Bottom 0.4% in tier
- - Member Growth Rate: Bottom 1.1% in tier
- - Loan Growth Rate: Bottom 1.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53
-28.4% YoY-5.4% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
Bottom 0.4% in tier |
| Assets |
$285,997
-10.6% YoY-0.0% QoQ
|
$-29.9M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.5% in tier |
| Loans |
$39,331
-40.0% YoY-24.0% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.9% in tier |
| Deposits |
$65,249
-14.1% YoY+8.4% QoQ
|
$-25.7M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.4% in tier |
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| ROA |
-8.4%
+26.4% YoY+10.5% QoQ
|
-8.5% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.0% in tier |
| NIM |
4.1%
-21.0% YoY-20.5% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
62% |
| Efficiency Ratio |
300.5%
+33.7% YoY+22.9% QoQ
|
+209.9% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate |
4.1%
-81.0% YoY-71.6% QoQ
|
+2.6 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.5% in tier |
| Loan To Share |
60.3%
-30.2% YoY-29.9% QoQ
|
+1.8% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$1,973
+3.2% YoY-1.3% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.8% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 7.7% | 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)