BlastPoint's Credit Union Scorecard
YANTIS
Charter #10502 · TX
YANTIS has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency ratio 16.86% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 3.1% in tier
- - Share Certificate Concentration (%): Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,854
+2.0% YoY+2.4% QoQ
|
-761 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$27.9M
-4.6% YoY+1.3% QoQ
|
$-2.2M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$15.7M
-3.5% YoY+0.7% QoQ
|
$-69K |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$23.9M
-4.7% YoY+1.4% QoQ
|
$-1.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
0.0%
-119.5% YoY
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
2.9%
+12.3% YoY+6.7% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 15.0% in tier |
| Efficiency Ratio |
99.4%
-5.4% YoY-0.5% QoQ
|
+16.9% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.6% in tier |
| Delinquency Rate | 0.1% | -1.4 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
65.6%
+1.3% YoY-0.6% QoQ
|
+4.9% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$21,375
-6.1% YoY-1.2% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
83% |
| CD Concentration |
38.3%
-3.9% YoY-1.3% QoQ
|
+13.9% | 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)