BlastPoint's Credit Union Scorecard

EVOLVE

Charter #1792 · TX

1069 CUs in 100M-500M nationally 79 in TX

EVOLVE has 2 strengths but faces 10 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 99.6% in tier
+ Fee Income Per Member: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 14.2% in tier
- Credit Quality Pressure: Bottom 23.6% in tier
- Institutional Decline: Bottom 36.4% in tier
- Stagnation Risk: Bottom 38.0% in tier
- Membership Headwinds: Bottom 45.9% in tier
- ROA 1.10% below tier average
- Efficiency ratio 25.71% above tier (higher cost structure)
- Member decline: -3.0% YoY
- Members Per Employee (MPE): Bottom 2.2% in tier
- Net Interest Margin (NIM): Bottom 6.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	14,231 -3.0% YoY-1.1% QoQ	-1.2K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	54%
Assets	$323.5M +1.4% YoY+0.6% QoQ	+$91.6M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	77%
Loans	$207.5M -4.6% YoY-1.8% QoQ	+$60.1M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	78%
Deposits	$282.4M +0.1% YoY-0.4% QoQ	+$81.6M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	78%

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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	-0.3% +104.2% YoY+126.3% QoQ	-1.1%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	Bottom 3.3% in tier
NIM	2.5% -0.8% YoY+0.3% QoQ	-1.1%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	Bottom 5.9% in tier
Efficiency Ratio	102.7% +3.8% YoY+5.6% QoQ	+25.7%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	Top 1.8% in tier
Delinquency Rate	0.5% +667.6% YoY+338.7% QoQ	-0.4	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	29%
Loan To Share	73.5% -4.7% YoY-1.4% QoQ	+1.2%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	50%
AMR	$34,421 +1.0% YoY+0.1% QoQ	+$10K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	Top 10.2% in tier
CD Concentration	21.3% +14.5% YoY+2.3% QoQ	-3.1%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.8% -56.8% YoY-21.6% QoQ	-13.0%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#267 of 268 • Top 99.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.03%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $5.4K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk

#77 of 538 • Bottom 14.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 102.73%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.17% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.95%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#167 of 705 • Bottom 23.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.41% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Institutional Decline

decline

#88 of 240 • Bottom 36.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $323.47M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -2.95%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.62%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Stagnation Risk

risk

#211 of 554 • Bottom 38.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.95%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.62%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.47%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#255 of 554 • Bottom 45.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.95%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $279.58

Peer Median: -

#79 of 1069 Top 7.3% in 100M-500M tier

109

Average Member Relationship (AMR)

engagement

Value: $34,421

Peer Median: -

#109 of 1069 Top 10.1% in 100M-500M tier

129

Loan-to-Member Ratio (LMR)

engagement

Value: $14,579

Peer Median: -

#129 of 1069 Top 12.0% in 100M-500M tier

233

Total Deposits

balance_sheet

Value: $282.37M

Peer Median: -

#233 of 1069 Top 21.7% in 100M-500M tier

240

Total Loans

balance_sheet

Value: $207.47M

Peer Median: -

#240 of 1069 Top 22.4% in 100M-500M tier

246

Total Assets

balance_sheet

Value: $323.47M

Peer Median: -

#246 of 1069 Top 22.9% in 100M-500M tier

Top Weaknesses (9 metrics)

1051

Efficiency Ratio

profitability

Value: 102.73%

Peer Median: -

#1051 of 1069 Bottom 1.8% in 100M-500M tier

1047

Members Per Employee (MPE)

engagement

Value: 184.818

Peer Median: -

#1047 of 1069 Bottom 2.2% in 100M-500M tier

1034

Return on Assets (ROA)

profitability

Value: -0.34%

Peer Median: -

#1034 of 1069 Bottom 3.4% in 100M-500M tier

1006

Net Interest Margin (NIM)

profitability

Value: 2.52%

Peer Median: -

#1006 of 1069 Bottom 6.0% in 100M-500M tier

935

Loan Growth Rate

growth

Value: -4.62%

Peer Median: -

#935 of 1069 Bottom 12.6% in 100M-500M tier

897

First Mortgage Concentration (%)

balance_sheet

Value: 47.87%

Peer Median: -

#897 of 1069 Bottom 16.2% in 100M-500M tier

879

Deposit Growth Rate

growth

Value: 0.10%

Peer Median: -

#879 of 1069 Bottom 17.9% in 100M-500M tier

862

Member Growth Rate

growth

Value: -2.95%

Peer Median: -

#862 of 1069 Bottom 19.5% in 100M-500M tier

830

Asset Growth Rate

growth

Value: 1.37%

Peer Median: -

#830 of 1069 Bottom 22.5% in 100M-500M tier