BlastPoint's Credit Union Scorecard
HB TELCO
Charter #9888 · SD
HB TELCO has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.29% below tier average
- - Efficiency ratio 37.52% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 8.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
788
-1.0% YoY+0.9% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
10,664
+2.0% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$4.9M
+0.8% YoY+2.0% QoQ
|
$-25.2M |
$30.2M
+1.3% YoY
|
$187.1M
+4.6% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$3.3M
-4.4% YoY-4.5% QoQ
|
$-12.0M |
$15.3M
-2.0% YoY
|
$124.5M
+2.5% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$4.5M
+1.6% YoY+3.5% QoQ
|
$-21.3M |
$25.8M
+0.7% YoY
|
$165.7M
+4.9% YoY
|
$494.3M
+9.1% YoY
|
21% |
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| ROA |
-1.1%
+94.8% YoY+318.8% QoQ
|
-1.3% |
0.1%
-77.6% YoY
|
0.9%
-399.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.5% in tier |
| NIM |
3.8%
-4.7% YoY-8.7% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.0%
+2.7% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
128.2%
+12.6% YoY+17.3% QoQ
|
+37.5% |
90.6%
+6.5% YoY
|
79.0%
-5.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.8% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
0.9%
+21.4% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
72.6%
-5.9% YoY-7.7% QoQ
|
+14.1% |
58.5%
-3.0% YoY
|
70.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
71% |
| AMR |
$9,813
-0.0% YoY-0.9% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$21,889
+2.4% YoY
|
$19,920
+1.6% YoY
|
27% |
| CD Concentration |
33.3%
+22.2% YoY+1.2% QoQ
|
+9.0% | 24.3% | 28.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.9% | 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)