BlastPoint's Credit Union Scorecard

ACFCU

Charter #5168 · TX

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

ACFCU has 3 strengths but faces 8 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

+ Wallet Share Momentum: Top 18.4% in tier
+ AMR Growth Rate: Top 6.8% in tier
+ Total Members: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 9.6% in tier
- Stagnation Risk: Bottom 17.4% in tier
- Institutional Decline: Bottom 23.0% in tier
- Indirect Auto Dependency: Bottom 26.5% in tier
- ROA 0.14% below tier average
- Member decline: -8.5% YoY
- Member Growth Rate: Bottom 4.5% in tier
- Net Worth Ratio: 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	28,297 -8.5% YoY-1.8% QoQ	+12.9K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	Top 8.5% in tier
Assets	$309.2M +5.2% YoY+1.1% QoQ	+$77.4M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	74%
Loans	$205.9M -2.8% YoY+0.1% QoQ	+$58.6M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	77%
Deposits	$290.8M +6.3% YoY+1.9% QoQ	+$90.0M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	79%

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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	0.6% -202.0% YoY+6.6% QoQ	-0.1%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	41%
NIM	2.9% +16.0% YoY+1.9% QoQ	-0.7%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	Bottom 13.5% in tier
Efficiency Ratio	75.4% -25.2% YoY-0.4% QoQ	-1.7%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	42%
Delinquency Rate	0.6% -25.0% YoY-23.8% QoQ	-0.3	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	39%
Loan To Share	70.8% -8.5% YoY-1.8% QoQ	-1.4%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	44%
AMR	$17,554 +11.9% YoY+3.0% QoQ	$-7K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	19%
CD Concentration	37.3% +6.4% YoY-2.2% QoQ	+12.9%	24.4%	21.2%	19.8%	50%
Indirect Auto %	28.2% -17.9% YoY-8.4% QoQ	+14.4%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#95 of 513 • Top 18.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 11.86%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#54 of 554 • Bottom 9.6% in tier

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

Why This Signature

Member Growth (YoY): -8.51%

(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

Stagnation Risk

risk

#97 of 554 • Bottom 17.4% 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): -8.51%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.78%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.57%

(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

Institutional Decline

decline

#56 of 240 • Bottom 23.0% in tier

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

Why This Signature

Total Assets: $309.22M

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

worse than tier avg

Member Growth (YoY): -8.51%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.78%

(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

Indirect Auto Dependency

risk

#135 of 506 • Bottom 26.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.24%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 28.20%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -8.51%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

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 (5 metrics)

AMR Growth Rate

growth

Value: 11.86%

Peer Median: -

#74 of 1069 Top 6.8% in 100M-500M tier

Total Members

engagement

Value: 28,297

Peer Median: -

#91 of 1069 Top 8.4% in 100M-500M tier

109

Fee Income Per Member

profitability

Value: $266.44

Peer Median: -

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

220

Total Deposits

balance_sheet

Value: $290.82M

Peer Median: -

#220 of 1069 Top 20.5% in 100M-500M tier

249

Total Loans

balance_sheet

Value: $205.92M

Peer Median: -

#249 of 1069 Top 23.2% in 100M-500M tier

Top Weaknesses (8 metrics)

1022

Member Growth Rate

growth

Value: -8.51%

Peer Median: -

#1022 of 1069 Bottom 4.5% in 100M-500M tier

981

Net Worth Ratio

risk

Value: 8.57%

Peer Median: -

#981 of 1069 Bottom 8.3% in 100M-500M tier

962

Share Certificate Concentration (%)

balance_sheet

Value: 37.30%

Peer Median: -

#962 of 1069 Bottom 10.1% in 100M-500M tier

925

Net Interest Margin (NIM)

profitability

Value: 2.88%

Peer Median: -

#925 of 1069 Bottom 13.6% in 100M-500M tier

876

Indirect Auto Concentration (%)

balance_sheet

Value: 28.20%

Peer Median: -

#876 of 1069 Bottom 18.1% in 100M-500M tier

866

Average Member Relationship (AMR)

engagement

Value: $17,554

Peer Median: -

#866 of 1069 Bottom 19.1% in 100M-500M tier

860

Net Charge-Off Rate

risk

Value: 0.71%

Peer Median: -

#860 of 1069 Bottom 19.6% in 100M-500M tier

857

Loan Growth Rate

growth

Value: -2.78%

Peer Median: -

#857 of 1069 Bottom 19.9% in 100M-500M tier