BlastPoint's Credit Union Scorecard
HB TELCO
Charter #9888 · SD
HB TELCO has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.06% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 30.20% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 7.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in South Dakota.
- Shares and deposits +1.5% year over year ($4.5M in shares and deposits).
- Membership: 791 members, +0.1% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.81%.
- Efficiency ratio 118.96% vs a 88.77% peer average.
- Loan-to-share ratio 86.11% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
791
+0.1% YoY+0.4% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$4.9M
+1.1% YoY+0.0% QoQ
|
$-25.3M |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$3.8M
+9.8% YoY+17.9% QoQ
|
$-11.6M |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$4.5M
+1.5% YoY-0.6% QoQ
|
$-21.3M |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
0.8%
-251.0% YoY-170.5% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
4.0%
-2.2% YoY+3.0% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
119.0%
+5.8% YoY-7.2% QoQ
|
+30.2% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
86.1%
+8.1% YoY+18.6% QoQ
|
+27.2% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
Top 12.9% in tier |
| AMR |
$10,482
+5.0% YoY+6.8% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration |
32.7%
+16.7% YoY-1.9% QoQ
|
+8.1% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.1% | 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)