BlastPoint's Credit Union Scorecard
NATURAL RESOURCES CONSERVATION SERV
Charter #2158 · TX
NATURAL RESOURCES CONSERVATION SERV has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.66% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.05% below tier average
- - Efficiency ratio 26.40% above tier (higher cost structure)
- - Member decline: -7.9% YoY
- - Loan Growth Rate: Bottom 2.7% in tier
- - Deposit Growth Rate: Bottom 4.5% in tier
- - AMR Growth Rate: Bottom 5.8% in tier
- - Asset Growth Rate: Bottom 7.2% in tier
- - Member Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
715
-7.9% YoY-3.0% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$5.7M
-8.1% YoY-4.7% QoQ
|
$-24.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$1.8M
-28.3% YoY-9.0% QoQ
|
$-14.0M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$4.4M
-12.2% YoY-6.0% QoQ
|
$-21.3M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
-0.4%
-44.6% YoY-26.2% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.9% in tier |
| NIM |
4.6%
-8.0% YoY-1.8% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
109.0%
+2.2% YoY+3.0% QoQ
|
+26.4% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 6.7% in tier |
| Delinquency Rate |
0.7%
-35.1% YoY-60.7% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
40.6%
-18.3% YoY-3.3% QoQ
|
-20.0% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$8,589
-10.5% YoY-4.0% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
21% |
| CD Concentration |
11.7%
+6.7% YoY+2.0% QoQ
|
-12.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)