BlastPoint's Credit Union Scorecard
ANDREWS SCHOOL
Charter #10739 · TX
ANDREWS SCHOOL has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.12% above tier average
- + Net Interest Margin 0.34% above tier average
- + Net Worth Ratio: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.63% above tier average
- - AMR Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
813
-0.1% YoY+1.2% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$6.6M
-2.4% YoY-1.7% QoQ
|
$-23.6M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$3.6M
-13.3% YoY-0.8% QoQ
|
$-11.7M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
27% |
| Deposits |
$4.7M
-4.8% YoY-2.6% QoQ
|
$-21.1M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
1.3%
-39.3% YoY-11.8% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
4.3%
-7.7% YoY-3.7% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
71.6%
+26.4% YoY+10.1% QoQ
|
-19.1% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate |
3.1%
+1030.2% YoY-27.6% QoQ
|
+1.6 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.7% in tier |
| Loan To Share |
76.4%
-8.9% YoY+1.8% QoQ
|
+17.9% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$10,144
-8.6% YoY-3.0% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
29% |
| CD Concentration |
14.7%
+88.1% YoY+3.8% QoQ
|
-9.5% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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)