BlastPoint's Credit Union Scorecard
ANDREWS SCHOOL
Charter #10739 · TX
ANDREWS SCHOOL has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.81% above tier average
- + Net Interest Margin 0.56% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.77% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
803
-1.0% YoY-0.2% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$6.7M
-3.0% YoY-0.2% QoQ
|
$-23.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$3.6M
-10.1% YoY-7.1% QoQ
|
$-12.2M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$4.8M
-5.9% YoY-0.5% QoQ
|
$-20.9M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
1.4%
-3.6% YoY-22.0% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
4.5%
+1.1% YoY-3.9% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
65.0%
-3.7% YoY+5.5% QoQ
|
-17.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
4.3%
+272.0% YoY+18.5% QoQ
|
+2.8 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 7.6% in tier |
| Loan To Share |
75.0%
-4.6% YoY-6.7% QoQ
|
+14.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$10,462
-6.8% YoY-3.2% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
14.2%
+82.7% YoY+20.0% QoQ
|
-10.2% | 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)