BlastPoint's Credit Union Scorecard
BIG SPRING EDUCATION EMPLOYEES
Charter #10577 · TX
BIG SPRING EDUCATION EMPLOYEES has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.16% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,293
+2.0% YoY+0.5% QoQ
|
+1.7K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$55.3M
-4.2% YoY-3.8% QoQ
|
+$25.2M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$21.6M
-2.0% YoY-1.0% QoQ
|
+$5.9M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$45.7M
-5.6% YoY-3.5% QoQ
|
+$20.0M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
0.8%
+14.3% YoY-61.7% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.9%
-7.0% YoY-24.2% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
72.3%
-3.9% YoY+23.4% QoQ
|
-10.2% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
1.7%
+49.2% YoY+40.5% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
47.3%
+3.8% YoY+2.5% QoQ
|
-13.3% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$15,680
-6.4% YoY-3.2% QoQ
|
+$897 |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
2.0%
-0.3% YoY+4.2% QoQ
|
-22.5% | 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)