BlastPoint's Credit Union Scorecard

COMMUNITIES OF ABILENE

Charter #10706 · TX

1069 CUs in 100M-500M nationally 79 in TX

COMMUNITIES OF ABILENE has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 64.3% in tier
+ ROA 0.22% above tier average
+ Net Interest Margin 0.17% above tier average
+ Loan Growth Rate: Top 5.4% in tier
+ Share Certificate Concentration (%): Top 7.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 14.8% in tier
- Credit Risk Growth: Bottom 48.6% in tier
- Credit Quality Pressure: Bottom 93.8% in tier
- Indirect Auto Concentration (%): Bottom 0.8% in tier
- Fee Income Per Member: Bottom 6.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	11,200 +0.5% YoY+0.1% QoQ	-4.2K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	37%
Assets	$160.0M +4.7% YoY+2.7% QoQ	$-71.9M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	35%
Loans	$95.9M +17.1% YoY+2.0% QoQ	$-51.4M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	32%
Deposits	$150.3M +2.0% YoY+2.0% QoQ	$-50.5M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	41%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +123.5% YoY+140.6% QoQ	+0.2%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	67%
NIM	3.8% +16.8% YoY+17.3% QoQ	+0.2%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	60%
Efficiency Ratio	74.1% -13.1% YoY-12.4% QoQ	-2.9%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	37%
Delinquency Rate	0.3% +9.2% YoY-27.1% QoQ	-0.6	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	Bottom 13.6% in tier
Loan To Share	63.8% +14.8% YoY+0.1% QoQ	-8.4%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	30%
AMR	$21,983 +6.9% YoY+1.9% QoQ	$-3K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	46%
CD Concentration	8.0% -11.5% YoY-8.5% QoQ	-16.4%	24.4%	21.2%	19.8%	50%
Indirect Auto %	71.7% +8.7% YoY+1.3% QoQ	+57.9%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#330 of 513 • Top 64.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.85%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#76 of 506 • Bottom 14.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.71%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 71.73%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.49%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Credit Risk Growth

risk

#222 of 456 • Bottom 48.6% in tier

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

Why This Signature

Loan Growth (YoY): 17.05%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#661 of 705 • Bottom 93.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Loan Growth Rate

growth

Value: 17.05%

Peer Median: -

#59 of 1069 Top 5.4% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.05%

Peer Median: -

#84 of 1069 Top 7.8% in 100M-500M tier

146

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Median: -

#146 of 1069 Top 13.6% in 100M-500M tier

208

First Mortgage Concentration (%)

balance_sheet

Value: 14.59%

Peer Median: -

#208 of 1069 Top 19.4% in 100M-500M tier

225

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: -

#225 of 1069 Top 21.0% in 100M-500M tier

262

AMR Growth Rate

growth

Value: 6.85%

Peer Median: -

#262 of 1069 Top 24.4% in 100M-500M tier

Top Weaknesses (2 metrics)

1061

Indirect Auto Concentration (%)

balance_sheet

Value: 71.73%

Peer Median: -

#1061 of 1069 Bottom 0.8% in 100M-500M tier

1001

Fee Income Per Member

profitability

Value: $77.96

Peer Median: -

#1001 of 1069 Bottom 6.5% in 100M-500M tier