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 0.26% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.90% below tier average
- - Efficiency ratio 26.66% above tier (higher cost structure)
- - Member decline: -3.0% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
781
-3.0% YoY-24.1% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$4.8M
+1.9% YoY-2.8% QoQ
|
$-25.3M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$3.4M
-2.8% YoY-5.5% QoQ
|
$-12.4M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$4.3M
+1.7% YoY-4.0% QoQ
|
$-21.4M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
-0.3%
-66.8% YoY-12.1% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.3% in tier |
| NIM |
4.2%
+17.1% YoY+2.4% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
109.2%
-10.0% YoY-1.9% QoQ
|
+26.7% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.6% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
78.7%
-4.4% YoY-1.6% QoQ
|
+18.1% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$9,905
+2.7% YoY+25.6% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
32.9%
+21.9% YoY+21.1% QoQ
|
+8.5% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 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)