BlastPoint's Credit Union Scorecard
LAS COLINAS
Charter #10424 · TX
2556 CUs in <100M nationally
243 in TX
LAS COLINAS has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 0.1% in tier
- + Total Deposits: Top 0.7% in tier
- + Total Members: Top 1.2% in tier
- + Total Assets: Top 1.6% in tier
- + Loan-to-Share Ratio: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 2.95% below tier average
- - Efficiency ratio 45.13% above tier (higher cost structure)
- - Delinquency rate 0.53% above tier average
- - Indirect Auto Concentration (%): Bottom 2.9% in tier
- - Net Worth Ratio: Bottom 3.1% in tier
- - Asset Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,096
+1.8% YoY-0.9% QoQ
|
+7.5K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 1.3% in tier |
| Assets |
$95.5M
-6.7% YoY-8.4% QoQ
|
+$65.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 1.6% in tier |
| Loans |
$82.1M
+2.3% YoY-7.6% QoQ
|
+$66.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 0.2% in tier |
| Deposits |
$86.5M
-5.6% YoY-4.3% QoQ
|
+$60.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 0.8% in tier |
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| ROA |
-2.3%
+1573.9% YoY+1389.6% QoQ
|
-2.9% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.6% in tier |
| NIM |
3.7%
+4.1% YoY+2.9% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
127.7%
+41.1% YoY+46.2% QoQ
|
+45.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 3.2% in tier |
| Delinquency Rate |
2.1%
+166.2% YoY+247.0% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
94.9%
+8.4% YoY-3.4% QoQ
|
+34.3% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 6.6% in tier |
| AMR |
$16,701
-3.7% YoY-5.1% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
25.3%
+10.7% YoY+4.9% QoQ
|
+0.9% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
39.4%
+59.1% YoY-0.6% QoQ
|
+25.6% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
4
Total Loans
balance_sheet
Value:
$82.11M
Peer Median: -
#4 of 2556
Top 0.1% in <100M tier
20
Total Deposits
balance_sheet
Value:
$86.50M
Peer Median: -
#20 of 2556
Top 0.7% in <100M tier
32
Total Members
engagement
Value:
10,096
Peer Median: -
#32 of 2556
Top 1.2% in <100M tier
42
Total Assets
balance_sheet
Value:
$95.50M
Peer Median: -
#42 of 2556
Top 1.6% in <100M tier
167
Loan-to-Share Ratio
balance_sheet
Value:
94.92%
Peer Median: -
#167 of 2556
Top 6.5% in <100M tier
445
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,133
Peer Median: -
#445 of 2556
Top 17.4% in <100M tier
449
Member Growth Rate
growth
Value:
1.79%
Peer Median: -
#449 of 2556
Top 17.5% in <100M tier
Top Weaknesses (11 metrics)
2489
Return on Assets (ROA)
profitability
Value:
-2.33%
Peer Median: -
#2489 of 2556
Bottom 2.7% in <100M tier
2483
Indirect Auto Concentration (%)
balance_sheet
Value:
39.44%
Peer Median: -
#2483 of 2556
Bottom 2.9% in <100M tier
2478
Net Worth Ratio
risk
Value:
7.56%
Peer Median: -
#2478 of 2556
Bottom 3.1% in <100M tier
2476
Efficiency Ratio
profitability
Value:
127.69%
Peer Median: -
#2476 of 2556
Bottom 3.2% in <100M tier
2317
Asset Growth Rate
growth
Value:
-6.67%
Peer Median: -
#2317 of 2556
Bottom 9.4% in <100M tier
2258
Net Charge-Off Rate
risk
Value:
1.27%
Peer Median: -
#2258 of 2556
Bottom 11.7% in <100M tier
2169
Deposit Growth Rate
growth
Value:
-5.65%
Peer Median: -
#2169 of 2556
Bottom 15.2% in <100M tier
2026
AMR Growth Rate
growth
Value:
-3.68%
Peer Median: -
#2026 of 2556
Bottom 20.8% in <100M tier
2021
Total Delinquency Rate (60+ days)
risk
Value:
2.09%
Peer Median: -
#2021 of 2556
Bottom 21.0% in <100M tier
1939
First Mortgage Concentration (%)
balance_sheet
Value:
26.65%
Peer Median: -
#1939 of 2556
Bottom 24.2% in <100M tier