BlastPoint's Credit Union Scorecard
HEEKIN CAN EMPL
Charter #96821 · OH
2556 CUs in <100M nationally
118 in OH
HEEKIN CAN EMPL has 6 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.19% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.2% in tier
- + AMR Growth Rate: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - ROA 8.19% below tier average
- - Efficiency ratio 161.94% above tier (higher cost structure)
- - Delinquency rate 12.90% above tier average
- - Member decline: -32.5% YoY
- - Total Deposits: Bottom 0.4% in tier
- - Total Members: Bottom 0.5% in tier
- - Member Growth Rate: Bottom 1.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.5% in tier
- - Total Assets: Bottom 1.6% in tier
- - Loan Growth Rate: Bottom 2.0% in tier
- - Total Loans: Bottom 2.1% in tier
- - Average Member Relationship (AMR): Bottom 2.8% in tier
- - Net Charge-Off Rate: Bottom 3.4% in tier
- - Members Per Employee (MPE): Bottom 3.5% in tier
- - Deposit Growth Rate: Bottom 4.9% in tier
- - Asset Growth Rate: Bottom 5.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
56
-32.5% YoY-3.4% QoQ
|
-2.6K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 0.4% in tier |
| Assets |
$286,041
-9.7% YoY-4.3% QoQ
|
$-29.9M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.6% in tier |
| Loans |
$51,780
-31.5% YoY-14.7% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.0% in tier |
| Deposits |
$60,213
-12.0% YoY-10.9% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.4% in tier |
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| ROA |
-7.6%
+77.5% YoY+11.0% QoQ
|
-8.2% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.6% in tier |
| NIM |
5.1%
-18.4% YoY+3.9% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 11.5% in tier |
| Efficiency Ratio |
244.5%
+54.5% YoY+4.0% QoQ
|
+161.9% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 0.7% in tier |
| Delinquency Rate |
14.5%
-28.4% YoY-22.1% QoQ
|
+12.9 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
Top 1.5% in tier |
| Loan To Share |
86.0%
-22.2% YoY-4.2% QoQ
|
+25.4% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Top 14.2% in tier |
| AMR |
$2,000
+15.2% YoY-9.6% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
6
Net Worth Ratio
risk
Value:
77.70%
Peer Median: -
#6 of 2556
Top 0.2% in <100M tier
114
AMR Growth Rate
growth
Value:
15.24%
Peer Median: -
#114 of 2556
Top 4.4% in <100M tier
295
Net Interest Margin (NIM)
profitability
Value:
5.14%
Peer Median: -
#295 of 2556
Top 11.5% in <100M tier
361
Loan-to-Share Ratio
balance_sheet
Value:
85.99%
Peer Median: -
#361 of 2556
Top 14.1% in <100M tier
Top Weaknesses (16 metrics)
2547
Total Deposits
balance_sheet
Value:
$60,213
Peer Median: -
#2547 of 2556
Bottom 0.4% in <100M tier
2545
Total Members
engagement
Value:
56
Peer Median: -
#2545 of 2556
Bottom 0.5% in <100M tier
2541
Return on Assets (ROA)
profitability
Value:
-7.57%
Peer Median: -
#2541 of 2556
Bottom 0.6% in <100M tier
2539
Efficiency Ratio
profitability
Value:
244.50%
Peer Median: -
#2539 of 2556
Bottom 0.7% in <100M tier
2532
Member Growth Rate
growth
Value:
-32.53%
Peer Median: -
#2532 of 2556
Bottom 1.0% in <100M tier
2518
Total Delinquency Rate (60+ days)
risk
Value:
14.45%
Peer Median: -
#2518 of 2556
Bottom 1.5% in <100M tier
2516
Total Assets
balance_sheet
Value:
$286,041
Peer Median: -
#2516 of 2556
Bottom 1.6% in <100M tier
2505
Loan Growth Rate
growth
Value:
-31.53%
Peer Median: -
#2505 of 2556
Bottom 2.0% in <100M tier
2504
Total Loans
balance_sheet
Value:
$51,780
Peer Median: -
#2504 of 2556
Bottom 2.1% in <100M tier
2486
Average Member Relationship (AMR)
engagement
Value:
$2,000
Peer Median: -
#2486 of 2556
Bottom 2.8% in <100M tier