BlastPoint's Credit Union Scorecard
MCLENNAN COUNTY EMPLOYEES
Charter #10461 · TX
MCLENNAN COUNTY EMPLOYEES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.33% below tier average
- - Efficiency ratio 4.76% above tier (higher cost structure)
- - Member decline: -7.0% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +3.6% year over year ($15.9M in shares and deposits).
- Membership: 1,255 members, -7.0% vs a year ago.
- Delinquency rate 0.02%.
- Return on assets 0.16%.
- Efficiency ratio 93.53% vs a 88.77% peer average.
- Loan-to-share ratio 41.33% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,255
-7.0% YoY-6.3% QoQ
|
-1.3K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
35% |
| Assets |
$21.6M
+2.5% YoY+4.2% QoQ
|
$-8.7M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$6.6M
+4.6% YoY-4.8% QoQ
|
$-8.9M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$15.9M
+3.6% YoY+5.8% QoQ
|
$-9.9M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
0.2%
-226.6% YoY+28.8% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 10.7% in tier |
| NIM |
3.4%
+14.3% YoY-1.9% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
93.5%
-10.0% YoY+0.3% QoQ
|
+4.8% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
0.0%
-94.3% YoY-82.2% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 14.1% in tier |
| Loan To Share |
41.3%
+1.0% YoY-10.0% QoQ
|
-17.6% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$17,950
+11.7% YoY+9.4% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
69% |
| CD Concentration |
26.0%
-4.9% YoY-2.9% QoQ
|
+1.5% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 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)