BlastPoint's Credit Union Scorecard
LONGVIEW
Charter #1130 · TX
2556 CUs in <100M nationally
243 in TX
LONGVIEW has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 20.58% above tier (higher cost structure)
- - Delinquency rate 2.41% above tier average
- - Member decline: -2.8% YoY
- - Fee Income Per Member: Bottom 0.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
514
-2.8% YoY-0.4% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 13.9% in tier |
| Assets |
$3.1M
-6.3% YoY-6.1% QoQ
|
$-27.0M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.4% in tier |
| Loans |
$2.7M
+2.9% YoY-5.6% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$2.3M
-4.9% YoY-3.9% QoQ
|
$-23.4M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.7% in tier |
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| ROA |
-0.1%
-167.3% YoY-92.5% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.8% in tier |
| NIM |
5.0%
+4.8% YoY+5.8% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 13.7% in tier |
| Efficiency Ratio |
103.1%
+11.9% YoY-3.7% QoQ
|
+20.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 9.3% in tier |
| Delinquency Rate |
4.0%
-51.4% YoY-36.1% QoQ
|
+2.4 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 8.8% in tier |
| Loan To Share |
116.9%
+8.2% YoY-1.7% QoQ
|
+56.3% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 0.9% in tier |
| AMR |
$9,741
+2.0% YoY-4.5% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
21
Loan-to-Share Ratio
balance_sheet
Value:
116.93%
Peer Median: -
#21 of 2556
Top 0.8% in <100M tier
276
Net Worth Ratio
risk
Value:
25.32%
Peer Median: -
#276 of 2556
Top 10.8% in <100M tier
350
Net Interest Margin (NIM)
profitability
Value:
5.04%
Peer Median: -
#350 of 2556
Top 13.7% in <100M tier
Top Weaknesses (11 metrics)
2548
Fee Income Per Member
profitability
Value:
$-19.44
Peer Median: -
#2548 of 2556
Bottom 0.4% in <100M tier
2331
Total Delinquency Rate (60+ days)
risk
Value:
3.96%
Peer Median: -
#2331 of 2556
Bottom 8.8% in <100M tier
2320
Efficiency Ratio
profitability
Value:
103.14%
Peer Median: -
#2320 of 2556
Bottom 9.3% in <100M tier
2292
Asset Growth Rate
growth
Value:
-6.29%
Peer Median: -
#2292 of 2556
Bottom 10.4% in <100M tier
2258
Members Per Employee (MPE)
engagement
Value:
171.333
Peer Median: -
#2258 of 2556
Bottom 11.7% in <100M tier
2232
Total Deposits
balance_sheet
Value:
$2.31M
Peer Median: -
#2232 of 2556
Bottom 12.7% in <100M tier
2214
Total Assets
balance_sheet
Value:
$3.11M
Peer Median: -
#2214 of 2556
Bottom 13.4% in <100M tier
2200
Total Members
engagement
Value:
514
Peer Median: -
#2200 of 2556
Bottom 14.0% in <100M tier
2177
Return on Assets (ROA)
profitability
Value:
-0.06%
Peer Median: -
#2177 of 2556
Bottom 14.9% in <100M tier
2104
Deposit Growth Rate
growth
Value:
-4.93%
Peer Median: -
#2104 of 2556
Bottom 17.7% in <100M tier