BlastPoint's Credit Union Scorecard
SWEMP
Charter #5325 · TX
SWEMP has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 4.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 2.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
989
-0.9% YoY-1.0% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$11.8M
+3.0% YoY-3.0% QoQ
|
$-18.3M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$9.2M
-0.1% YoY-2.4% QoQ
|
$-6.6M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$9.3M
+2.6% YoY-3.9% QoQ
|
$-16.3M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
0.9%
+24.7% YoY-15.0% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
3.3%
-3.5% YoY+2.5% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
67.4%
+4.6% YoY+2.4% QoQ
|
-15.2% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.9%
+69.1% YoY+42.0% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
98.1%
-2.6% YoY+1.6% QoQ
|
+37.5% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 5.0% in tier |
| AMR |
$18,717
+2.2% YoY-2.2% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
53.9%
+3.9% YoY-4.7% QoQ
|
+29.5% | 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)