BlastPoint's Credit Union Scorecard
LIFETIME
Charter #6012 · TX
LIFETIME has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.64% below tier average
- - Efficiency ratio 13.19% above tier (higher cost structure)
- - Member decline: -4.5% YoY
- - Net Interest Margin (NIM): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,244
-4.5% YoY-1.6% QoQ
|
+1.6K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$54.7M
+0.0% YoY-1.9% QoQ
|
+$24.6M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$27.0M
-10.5% YoY-3.6% QoQ
|
+$11.2M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$44.5M
+1.0% YoY-2.2% QoQ
|
+$18.9M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
-0.0%
-85.6% YoY-72.9% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
2.5%
-5.3% YoY+3.2% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.6% in tier |
| Efficiency Ratio |
95.8%
+2.6% YoY-1.5% QoQ
|
+13.2% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
1.4%
+76.4% YoY+15.1% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
60.5%
-11.4% YoY-1.4% QoQ
|
-0.1% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$16,847
+0.9% YoY-1.1% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
31.2%
+2.8% YoY+7.0% QoQ
|
+6.7% | 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)