BlastPoint's Credit Union Scorecard
SAN ANTONIO CITIZENS
Charter #10699 · FL
SAN ANTONIO CITIZENS has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.38% above tier average
- + Total Deposits: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Member decline: -2.2% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,427
-2.2% YoY-2.5% QoQ
|
+3.3K |
15,145
-2.5% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$401.5M
+1.9% YoY+2.3% QoQ
|
+$169.8M |
$231.7M
+0.8% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
Top 10.7% in tier |
| Loans |
$176.6M
+11.8% YoY+8.1% QoQ
|
+$32.4M |
$144.1M
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$358.9M
+0.5% YoY+2.6% QoQ
|
+$157.8M |
$201.1M
+0.4% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
Top 9.1% in tier |
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| ROA |
1.1%
-24.5% YoY+1.8% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
76% |
| NIM |
3.5%
+2.6% YoY+4.6% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
70.4%
+8.4% YoY-2.3% QoQ
|
-7.6% |
78.0%
-1.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
25% |
| Delinquency Rate |
0.2%
+183.2% YoY-9.5% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
16% |
| Loan To Share |
49.2%
+11.2% YoY+5.4% QoQ
|
-21.2% |
70.4%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.4% in tier |
| AMR |
$29,060
+6.3% YoY+7.0% QoQ
|
+$4K |
$24,918
+2.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
78% |
| CD Concentration |
24.9%
+7.2% YoY-0.4% QoQ
|
+0.6% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % |
16.1%
-4.8% YoY+18.1% QoQ
|
+2.3% | 13.8% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (7)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)