BlastPoint's Credit Union Scorecard
CONCHO EDUCATORS
Charter #4684 · TX
CONCHO EDUCATORS has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.1% in tier
- + Total Assets: Top 0.1% in tier
- + Total Loans: Top 2.3% in tier
- + Fee Income Per Member: Top 6.3% in tier
- + Total Members: Top 6.5% in tier
- + Loan Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Efficiency ratio 0.66% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,716
+0.7% YoY+0.6% QoQ
|
+4.1K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 6.5% in tier |
| Assets |
$99.8M
+0.8% YoY+2.8% QoQ
|
+$69.7M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 0.2% in tier |
| Loans |
$59.2M
+11.0% YoY+5.5% QoQ
|
+$43.4M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 2.4% in tier |
| Deposits |
$89.9M
-0.1% YoY+2.8% QoQ
|
+$64.2M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 0.1% in tier |
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| ROA |
0.3%
-35.2% YoY+0.9% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
3.0%
+4.3% YoY+0.5% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
83.2%
+6.3% YoY-1.9% QoQ
|
+0.7% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.9%
+82.7% YoY+152.4% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
65.9%
+11.1% YoY+2.6% QoQ
|
+5.2% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$22,192
+3.3% YoY+3.2% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Top 14.0% in tier |
| CD Concentration |
21.8%
-0.6% YoY-4.3% QoQ
|
-2.6% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
3.2%
-42.0% YoY-14.2% QoQ
|
-10.6% | 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)