BlastPoint's Credit Union Scorecard

LAREDO

Charter #11011 · TX

1077 CUs in 100M-500M nationally 79 in TX

LAREDO has 6 strengths but faces 10 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 81.9% in tier
+ ROA 0.01% above tier average
+ Net Interest Margin 0.60% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan Growth Rate: Top 4.5% in tier
+ Share Certificate Concentration (%): Top 8.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.7% in tier
- Cost Spiral: Bottom 5.8% in tier
- Credit Quality Pressure: Bottom 8.9% in tier
- Margin Compression: Bottom 17.4% in tier
- Efficiency Drag: Bottom 24.2% in tier
- Deposit Outflow: Bottom 95.0% in tier
- Efficiency ratio 3.50% above tier (higher cost structure)
- Delinquency rate 0.17% above tier average
- Average Member Relationship (AMR): Bottom 0.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 2.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	18,026 -0.2% YoY-0.1% QoQ	+2.4K	15,628 -3.4% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	68%
Assets	$135.2M +0.4% YoY-0.8% QoQ	$-96.1M	$231.3M -0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	23%
Loans	$76.4M +17.9% YoY+4.8% QoQ	$-71.4M	$147.8M -1.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	20%
Deposits	$123.8M -0.9% YoY-1.8% QoQ	$-76.5M	$200.3M -0.0% YoY	$341.5M +6.1% YoY	$464.6M +9.3% 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% -54.9% YoY-2.5% QoQ	+0.0%	0.8% +15.5% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	53%
NIM	4.2% +5.8% YoY+1.1% QoQ	+0.6%	3.6% +6.9% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	83%
Efficiency Ratio	80.8% +20.5% YoY+1.0% QoQ	+3.5%	77.3% -3.0% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	64%
Delinquency Rate	1.0% +51.8% YoY+19.7% QoQ	+0.2	0.9% +7.6% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	71%
Loan To Share	61.7% +19.0% YoY+6.7% QoQ	-11.0%	72.7% -1.5% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	25%
AMR	$11,109 +5.8% YoY+0.7% QoQ	$-13K	$24,363 +2.9% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	Bottom 0.6% in tier
CD Concentration	8.7% +1.9% YoY+1.6% QoQ	-15.7%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#394 of 481 • Top 81.9% in tier

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

Why This Signature

AMR Growth (YoY): 5.76%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (6)

Credit Risk Growth

risk

#26 of 446 • Bottom 1.7% in tier

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

Why This Signature

Loan Growth (YoY): 17.88%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.35% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Cost Spiral

risk

#15 of 62 • Bottom 5.8% 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: 13.74% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 65.50%

(Tier: 59.95%, National: 63.68%)

worse than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Credit Quality Pressure

risk

#221 of 736 • Bottom 8.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.35% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Margin Compression

decline

#74 of 136 • Bottom 17.4% 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: 0.80%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.76%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.97% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Efficiency Drag

risk

#427 of 521 • Bottom 24.2% in tier

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

Why This Signature

Efficiency Ratio: 80.78%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.97% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -0.24%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

Deposit Outflow

decline

#77 of 81 • Bottom 95.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.91%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): -0.24%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 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 1077 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Loan Growth Rate

growth

Value: 17.88%

Peer Avg: -

#49 of 1077 Top 4.5% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.67%

Peer Avg: -

#97 of 1077 Top 8.9% in 100M-500M tier

135

Members Per Employee (MPE)

engagement

Value: 439.659

Peer Avg: -

#135 of 1077 Top 12.4% in 100M-500M tier

186

Net Interest Margin (NIM)

profitability

Value: 4.19%

Peer Avg: -

#186 of 1077 Top 17.2% in 100M-500M tier

233

First Mortgage Concentration (%)

balance_sheet

Value: 15.45%

Peer Avg: -

#233 of 1077 Top 21.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1070

Average Member Relationship (AMR)

engagement

Value: $11,109

Peer Avg: -

#1070 of 1077 Bottom 0.7% in 100M-500M tier

1052

Loan-to-Member Ratio (LMR)

engagement

Value: $4,240

Peer Avg: -

#1052 of 1077 Bottom 2.4% in 100M-500M tier

964

Fee Income Per Member

profitability

Value: $87.37

Peer Avg: -

#964 of 1077 Bottom 10.6% in 100M-500M tier

935

Deposit Growth Rate

growth

Value: -0.91%

Peer Avg: -

#935 of 1077 Bottom 13.3% in 100M-500M tier

867

Total Loans

balance_sheet

Value: $76.43M

Peer Avg: -

#867 of 1077 Bottom 19.6% in 100M-500M tier

855

Asset Growth Rate

growth

Value: 0.37%

Peer Avg: -

#855 of 1077 Bottom 20.7% in 100M-500M tier

830

Total Assets

balance_sheet

Value: $135.18M

Peer Avg: -

#830 of 1077 Bottom 23.0% in 100M-500M tier

811

Loan-to-Share Ratio

balance_sheet

Value: 61.74%

Peer Avg: -

#811 of 1077 Bottom 24.8% in 100M-500M tier