BlastPoint's Credit Union Scorecard

LAREDO

Charter #11011 · TX

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

LAREDO has 5 strengths but faces 8 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 35.9% in tier
+ Net Interest Margin 0.67% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan Growth Rate: Top 2.8% in tier
+ Share Certificate Concentration (%): Top 9.0% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 35.6% in tier
- Margin Compression: Bottom 58.2% in tier
- Efficiency Drag: Bottom 68.5% in tier
- ROA 0.00% below tier average
- Efficiency ratio 5.07% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 1.0% in tier
- Loan-to-Member Ratio (LMR): Bottom 2.2% in tier
- Fee Income Per Member: Bottom 8.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	18,068 +0.1% YoY+0.2% QoQ	+2.6K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	69%
Assets	$134.2M +3.4% YoY-0.7% QoQ	$-97.7M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	22%
Loans	$78.0M +22.0% YoY+2.0% QoQ	$-69.4M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	21%
Deposits	$123.3M +2.2% YoY-0.4% QoQ	$-77.5M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	28%

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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% -50.5% YoY-4.1% QoQ	-0.0%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	51%
NIM	4.3% +4.8% YoY+2.0% QoQ	+0.7%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	84%
Efficiency Ratio	82.1% +17.8% YoY+1.6% QoQ	+5.1%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	68%
Delinquency Rate	0.5% -44.1% YoY-54.0% QoQ	-0.4	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	30%
Loan To Share	63.2% +19.3% YoY+2.4% QoQ	-9.0%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	29%
AMR	$11,142 +9.0% YoY+0.3% QoQ	$-14K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	Bottom 0.9% in tier
CD Concentration	8.8% +1.4% YoY+1.9% QoQ	-15.6%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#185 of 513 • Top 35.9% in tier

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

Why This Signature

AMR Growth (YoY): 9.01%

(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)

Cost Spiral

risk

#17 of 46 • Bottom 35.6% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 12.43% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 67.95%

(Tier: 60.04%, National: 63.66%)

worse than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Margin Compression

decline

#72 of 123 • Bottom 58.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.76%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.54%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.78% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Efficiency Drag

risk

#369 of 538 • Bottom 68.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.09%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.78% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.07%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 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 (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Loan Growth Rate

growth

Value: 22.01%

Peer Median: -

#31 of 1069 Top 2.8% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.83%

Peer Median: -

#97 of 1069 Top 9.0% in 100M-500M tier

149

AMR Growth Rate

growth

Value: 9.01%

Peer Median: -

#149 of 1069 Top 13.8% in 100M-500M tier

167

Net Interest Margin (NIM)

profitability

Value: 4.27%

Peer Median: -

#167 of 1069 Top 15.5% in 100M-500M tier

167

Members Per Employee (MPE)

engagement

Value: 420.186

Peer Median: -

#167 of 1069 Top 15.5% in 100M-500M tier

220

First Mortgage Concentration (%)

balance_sheet

Value: 15.04%

Peer Median: -

#220 of 1069 Top 20.5% in 100M-500M tier

Top Weaknesses (5 metrics)

1059

Average Member Relationship (AMR)

engagement

Value: $11,142

Peer Median: -

#1059 of 1069 Bottom 1.0% in 100M-500M tier

1046

Loan-to-Member Ratio (LMR)

engagement

Value: $4,316

Peer Median: -

#1046 of 1069 Bottom 2.2% in 100M-500M tier

976

Fee Income Per Member

profitability

Value: $86.47

Peer Median: -

#976 of 1069 Bottom 8.8% in 100M-500M tier

844

Total Loans

balance_sheet

Value: $77.99M

Peer Median: -

#844 of 1069 Bottom 21.1% in 100M-500M tier

830

Total Assets

balance_sheet

Value: $134.18M

Peer Median: -

#830 of 1069 Bottom 22.5% in 100M-500M tier