BlastPoint's Credit Union Scorecard

SAN ANTONIO CITIZENS

Charter #10699 · FL

100M-500M
1069 CUs in 100M-500M nationally 35 in FL

SAN ANTONIO CITIZENS has 3 strengths but faces 3 concerns

National Analysis

How does the industry compare?
FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 50.0% in tier
  • + Organic Growth Leader: Top 50.0% in tier
  • + ROA 0.33% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Loan-to-Share Ratio: Bottom 8.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 18,905
+1.1% YoY-0.2% QoQ
 +3.5K 15,437
-2.9% YoY
 72,012
+7.1% YoY
 33,374
+5.7% YoY
 73%
Assets $392.7M
+2.8% YoY-0.5% QoQ
 +$160.8M $231.9M
+1.3% YoY
 $1.1B
+9.4% YoY
 $561.6M
+9.7% YoY
 Top 12.3% in tier
Loans $163.4M
+2.2% YoY+4.1% QoQ
 +$16.1M $147.3M
-0.1% YoY
 $808.5M
+10.5% YoY
 $397.0M
+8.8% YoY
 65%
Deposits $349.9M
+0.4% YoY-0.8% QoQ
 +$149.1M $200.8M
+0.8% YoY
 $948.9M
+9.7% YoY
 $477.3M
+9.7% YoY
 Top 10.3% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 1.1%
+12.0% YoY-17.9% QoQ
 +0.3% 0.8%
+18.2% YoY
 0.6%
+16.0% YoY
 0.7%
+15.9% YoY
 73%
NIM 3.4%
+16.4% YoY-3.7% QoQ
 -0.2% 3.6%
+6.7% YoY
 3.6%
+4.0% YoY
 3.8%
+5.1% YoY
 36%
Efficiency Ratio 72.1%
+0.6% YoY+7.1% QoQ
 -4.9% 77.0%
-3.1% YoY
 77.7%
-2.7% YoY
 79.7%
-3.3% YoY
 30%
Delinquency Rate 0.3%
+17.7% YoY+185.0% QoQ
 -0.6 0.9%
+4.2% YoY
 0.7%
+7.1% YoY
 1.3%
-2.1% YoY
 Top 12.7% in tier
Loan To Share 46.7%
+1.9% YoY+5.0% QoQ
 -25.5% 72.2%
-1.1% YoY
 71.1%
+0.4% YoY
 67.4%
-1.7% YoY
 Bottom 8.0% in tier
AMR $27,154
-0.2% YoY+0.9% QoQ
 +$2K $24,676
+3.4% YoY
 $22,519
+3.6% YoY
 $19,687
+2.0% YoY
 72%
CD Concentration 25.0%
+1.9% YoY+3.1% QoQ
 +0.5% 24.4% 24.1% 19.8% 50%
Indirect Auto % 13.6%
-13.2% YoY-11.3% QoQ
 -0.2% 13.8% 10.8% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#393 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.11%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 1.09%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 13.63%
(Tier: 13.79%, National: 7.78%)
better than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth
#348 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.11%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 13.63%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk
#619 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk
#437 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 2.25%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Change (YoY): 0.04% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

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)

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

110
Total Deposits
balance_sheet
Value: $349.95M
Peer Median: -
#110 of 1069 Top 10.2% in 100M-500M tier
131
Total Assets
balance_sheet
Value: $392.71M
Peer Median: -
#131 of 1069 Top 12.2% in 100M-500M tier
137
Total Delinquency Rate (60+ days)
risk
Value: 0.26%
Peer Median: -
#137 of 1069 Top 12.7% in 100M-500M tier

Top Weaknesses (3 metrics)

984
Loan-to-Share Ratio
balance_sheet
Value: 46.69%
Peer Median: -
#984 of 1069 Bottom 8.0% in 100M-500M tier
880
AMR Growth Rate
growth
Value: -0.16%
Peer Median: -
#880 of 1069 Bottom 17.8% in 100M-500M tier
868
Deposit Growth Rate
growth
Value: 0.35%
Peer Median: -
#868 of 1069 Bottom 18.9% in 100M-500M tier
Link copied to clipboard!