BlastPoint's Credit Union Scorecard
OLD OCEAN
Charter #6175 · TX
OLD OCEAN demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.31% above tier average
- + Net Interest Margin 1.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.8% 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 |
3,015
-2.0% YoY+0.4% QoQ
|
+399 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$40.2M
+1.3% YoY-0.3% QoQ
|
+$10.0M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$16.0M
+0.8% YoY+1.8% QoQ
|
+$204K |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$31.5M
-0.6% YoY-1.7% QoQ
|
+$5.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
1.9%
-18.3% YoY-9.4% QoQ
|
+1.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 7.8% in tier |
| NIM |
5.1%
-5.5% YoY+1.1% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 12.4% in tier |
| Efficiency Ratio |
70.9%
+14.9% YoY+5.5% QoQ
|
-11.7% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.2%
-13.3% YoY+86.2% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
50.7%
+1.4% YoY+3.6% QoQ
|
-9.9% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$15,738
+1.8% YoY-1.0% QoQ
|
+$955 |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
1.8%
-5.3% YoY-6.6% QoQ
|
-22.6% | 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)