BlastPoint's Credit Union Scorecard
SOUTH TEXAS REGIONAL
Charter #7024 · TX
SOUTH TEXAS REGIONAL has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.73% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Efficiency ratio 12.52% above tier (higher cost structure)
- - Member decline: -5.7% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,310
-5.7% YoY-3.1% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$5.6M
+4.1% YoY-0.4% QoQ
|
$-24.5M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$4.0M
+4.7% YoY+4.2% QoQ
|
$-11.7M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$4.7M
+3.8% YoY-0.6% QoQ
|
$-21.0M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
0.3%
-70.0% YoY-19.9% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
4.7%
-9.6% YoY+0.3% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
95.1%
+20.7% YoY+0.5% QoQ
|
+12.5% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.6%
+18.6% YoY+223.3% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
85.5%
+0.9% YoY+4.9% QoQ
|
+24.9% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 14.7% in tier |
| AMR |
$6,702
+10.5% YoY+4.8% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.9% in tier |
| CD Concentration |
13.6%
+269.4% YoY-0.4% QoQ
|
-10.8% | 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)