BlastPoint's Credit Union Scorecard
ONE SOURCE
Charter #2115 · TX
ONE SOURCE has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 96.5% in tier
- + Net Interest Margin 0.03% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 53.1% in tier
- - Efficiency Drag: Bottom 76.5% in tier
- - Shrinking Wallet Share: Bottom 78.7% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 6.41% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 1.8% in tier
- - Fee Income Per Member: Bottom 2.5% in tier
- - Indirect Auto Concentration (%): Bottom 3.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,843
+2.2% YoY+0.2% QoQ
|
-4.6K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$125.1M
+0.8% YoY+0.8% QoQ
|
$-106.8M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$75.5M
-0.4% YoY-1.8% QoQ
|
$-71.8M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$111.4M
+1.7% YoY+1.5% QoQ
|
$-89.4M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
0.1%
-85.5% YoY+11.8% QoQ
|
-0.7% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.3% in tier |
| NIM |
3.6%
+7.4% YoY+1.1% QoQ
|
+0.0% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
83.4%
+17.6% YoY+6.2% QoQ
|
+6.4% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.8%
-7.1% YoY+12.5% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
67.8%
-2.1% YoY-3.2% QoQ
|
-4.5% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$17,238
-1.3% YoY-0.1% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
20.7%
+16.9% YoY+3.9% QoQ
|
-3.8% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
48.1%
-4.1% YoY-3.0% QoQ
|
+34.4% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)