BlastPoint's Credit Union Scorecard
HB TELCO
Charter #9888 · SD
HB TELCO has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.18% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.99% below tier average
- - Efficiency ratio 29.90% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,029
+3.6% YoY+30.3% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
29% |
| Assets |
$5.0M
-1.1% YoY+2.0% QoQ
|
$-24.9M |
$29.9M
+1.1% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$3.6M
-5.5% YoY+3.1% QoQ
|
$-12.2M |
$15.8M
-2.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
27% |
| Deposits |
$4.5M
-0.4% YoY+2.7% QoQ
|
$-20.9M |
$25.5M
+0.4% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
-0.3%
-66.8% YoY-41.9% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.7% in tier |
| NIM |
4.1%
+20.9% YoY+1.7% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
111.3%
-11.5% YoY-1.1% QoQ
|
+29.9% |
81.4%
-2.4% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 6.0% in tier |
| Delinquency Rate |
1.0%
-11.0% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
79.9%
-5.2% YoY+0.4% QoQ
|
+18.7% |
61.2%
-3.0% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
77% |
| AMR |
$7,884
-6.1% YoY-21.0% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
27.2%
-14.9% YoY-2.9% QoQ
|
+2.8% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
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)