BlastPoint's Credit Union Scorecard
SCURRY COUNTY SCHOOL
Charter #10551 · TX
SCURRY COUNTY SCHOOL has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 6.0% in tier
- + Net Charge-Off Rate: Top 6.7% in tier
- + Asset Growth Rate: Top 8.3% in tier
- + Members Per Employee (MPE): Top 8.9% in tier
- + AMR Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Efficiency ratio 9.43% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 1.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,143
+1.2% YoY-0.1% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$12.1M
+10.4% YoY+4.3% QoQ
|
$-18.0M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$6.8M
+10.6% YoY-2.0% QoQ
|
$-9.0M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$10.0M
+12.6% YoY+3.9% QoQ
|
$-15.7M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
0.3%
+421.2% YoY
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
2.9%
+20.3% YoY+7.2% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
92.0%
-0.0% YoY-8.1% QoQ
|
+9.4% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
0.6%
-47.9% YoY-17.0% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
68.1%
-1.8% YoY-5.7% QoQ
|
+7.5% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$14,647
+10.5% YoY+1.5% QoQ
|
$-136 |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
61.5%
+15.2% YoY+7.7% QoQ
|
+37.1% | 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)