BlastPoint's Credit Union Scorecard
BEN E KEITH COMPANY EMPLOYEES
Charter #514 · TX
BEN E KEITH COMPANY EMPLOYEES demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.09% above tier average
- + Net Interest Margin 0.58% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,619
-1.9% YoY+0.6% QoQ
|
-996 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$11.7M
+3.4% YoY+0.2% QoQ
|
$-18.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$5.0M
-5.4% YoY+0.8% QoQ
|
$-10.8M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$9.3M
+3.0% YoY+0.0% QoQ
|
$-16.4M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
1.7%
-10.8% YoY+11.9% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 11.5% in tier |
| NIM |
4.5%
-3.8% YoY+1.2% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
60.4%
+6.9% YoY-0.5% QoQ
|
-22.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 12.1% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
53.7%
-8.1% YoY+0.7% QoQ
|
-6.9% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$8,795
+1.9% YoY-0.3% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
0.4%
+587.4% YoY+0.1% QoQ
|
-24.0% | 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)