BlastPoint's Credit Union Scorecard

HEALTHNET

Charter #9994 · TN

2556 CUs in <100M nationally 87 in TN

HEALTHNET has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

TN Analysis

How does TN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.66% below tier average
- Efficiency ratio 16.76% above tier (higher cost structure)
- Member decline: -3.5% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Members	4,481 -3.5% YoY-0.7% QoQ	+1.9K	2,615 -1.9% YoY	21,265 +4.5% YoY	33,374 +5.7% YoY	82%
Assets	$54.4M -0.6% YoY-0.7% QoQ	+$24.3M	$30.1M +2.1% YoY	$372.5M +10.3% YoY	$561.6M +9.7% YoY	80%
Loans	$13.9M -6.7% YoY-3.2% QoQ	$-1.9M	$15.8M -1.3% YoY	$275.7M +8.6% YoY	$397.0M +8.8% YoY	59%
Deposits	$46.2M -0.6% YoY-0.9% QoQ	+$20.5M	$25.7M +1.4% YoY	$312.1M +9.5% YoY	$477.3M +9.7% YoY	80%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.0% -113.7% YoY-53.9% QoQ	-0.7%	0.6% +10.8% YoY	0.7% -5.8% YoY	0.7% +15.9% YoY	15%
NIM	3.0% +7.3% YoY+3.1% QoQ	-1.0%	4.0% +4.0% YoY	3.8% +3.7% YoY	3.8% +5.1% YoY	19%
Efficiency Ratio	99.3% +6.8% YoY-0.6% QoQ	+16.8%	82.6% -2.3% YoY	79.4% +2.9% YoY	79.7% -3.3% YoY	Top 11.7% in tier
Delinquency Rate	0.1% +5.4% YoY	-1.4	1.6% -3.1% YoY	1.1% -12.6% YoY	1.3% -2.1% YoY	21%
Loan To Share	30.1% -6.2% YoY-2.3% QoQ	-30.5%	60.6% -3.1% YoY	70.0% -2.2% YoY	67.4% -1.7% YoY	Bottom 10.3% in tier
AMR	$13,406 +1.5% YoY-0.7% QoQ	$-1K	$14,783 -1.4% YoY	$18,770 +3.9% YoY	$19,687 +2.0% YoY	48%
CD Concentration	12.4% +13.1% YoY-2.1% QoQ	-12.0%	24.4%	22.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.7%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

451

Fee Income Per Member

profitability

Value: $139.20

Peer Median: -

#451 of 2556 Top 17.6% in <100M tier

451

Total Members

engagement

Value: 4,481

Peer Median: -

#451 of 2556 Top 17.6% in <100M tier

523

Total Assets

balance_sheet

Value: $54.42M

Peer Median: -

#523 of 2556 Top 20.4% in <100M tier

525

Total Deposits

balance_sheet

Value: $46.18M

Peer Median: -

#525 of 2556 Top 20.5% in <100M tier

549

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: -

#549 of 2556 Top 21.4% in <100M tier

Top Weaknesses (4 metrics)

2290

Loan-to-Share Ratio

balance_sheet

Value: 30.07%

Peer Median: -

#2290 of 2556 Bottom 10.4% in <100M tier

2258

Efficiency Ratio

profitability

Value: 99.32%

Peer Median: -

#2258 of 2556 Bottom 11.7% in <100M tier

2168

Return on Assets (ROA)

profitability

Value: -0.04%

Peer Median: -

#2168 of 2556 Bottom 15.2% in <100M tier

2070

Net Interest Margin (NIM)

profitability

Value: 3.00%

Peer Median: -

#2070 of 2556 Bottom 19.1% in <100M tier