BlastPoint's Credit Union Scorecard

ANDREWS SCHOOL

Charter #10739 · TX

<100M

2437 CUs in <100M nationally 239 in TX

ANDREWS SCHOOL has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.35% above tier average
+ Net Worth Ratio: Top 7.3% in tier

Key Concerns

Areas that may need attention

- ROA 0.73% below tier average

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	818 +0.9% YoY+0.6% QoQ	-1.8K	2,585 -1.7% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	24%
Assets	$6.7M +0.4% YoY+1.7% QoQ	$-23.6M	$30.3M +1.5% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	24%
Loans	$3.5M -14.5% YoY-2.1% QoQ	$-12.0M	$15.5M -1.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	27%
Deposits	$4.8M -0.7% YoY+2.2% QoQ	$-21.0M	$25.8M +1.1% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	22%

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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	0.8% -59.4% YoY-39.9% QoQ	-0.7%	1.5% +241.5% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	47%
NIM	4.3% -10.5% YoY-2.1% QoQ	+0.4%	3.9% +0.9% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	68%
Efficiency Ratio	78.0% +27.0% YoY+9.0% QoQ	-10.8%	88.8% -6.9% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	43%
Delinquency Rate	0.5% -79.5% YoY-84.9% QoQ	-1.1	1.5% +2.1% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	40%
Loan To Share	73.2% -13.9% YoY-4.1% QoQ	+14.3%	58.9% -3.1% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	72%
AMR	$10,116 -7.9% YoY-0.3% QoQ	$-5K	$14,963 -6.8% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	29%
CD Concentration	15.2% +73.5% YoY+2.9% QoQ	-9.4%	24.6%	21.6%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2437 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2437 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.59%

#1 of 2437 Top 0.1% in <100M tier

178

Net Worth Ratio

risk

Value: 28.20%

Peer Median: 14.28%

#178 of 2437 Top 7.3% in <100M tier

576

Member Growth Rate

growth

Value: 0.86%

Peer Median: -1.37%

#576 of 2437 Top 23.6% in <100M tier

Top Weaknesses (6 metrics)

2184

AMR Growth Rate

growth

Value: -7.85%

Peer Median: 1.04%

#2184 of 2437 Bottom 10.4% in <100M tier

2108

Loan Growth Rate

growth

Value: -14.52%

Peer Median: -2.63%

#2108 of 2437 Bottom 13.5% in <100M tier

2060

Fee Income Per Member

profitability

Value: $6.39

Peer Median: $63.89

#2060 of 2437 Bottom 15.5% in <100M tier

1909

Total Deposits

balance_sheet

Value: $4.78M

Peer Median: $18.69M

#1909 of 2437 Bottom 21.7% in <100M tier

1863

Total Members

engagement

Value: 818

Peer Median: 1,902

#1863 of 2437 Bottom 23.6% in <100M tier

1855

Total Assets

balance_sheet

Value: $6.70M

Peer Median: $21.91M

#1855 of 2437 Bottom 23.9% in <100M tier