BlastPoint's Credit Union Scorecard
SECURITY SERVICE
Charter #11065 · TX
SECURITY SERVICE has 2 strengths but faces 9 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 100.0% in tier
- + Loan-to-Share Ratio: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 18.2% in tier
- - Indirect Auto Dependency: Bottom 57.1% in tier
- - Credit Quality Pressure: Bottom 86.7% in tier
- - Credit Risk Growth: Bottom 92.3% in tier
- - Membership Headwinds: Bottom 100.0% in tier
- - Stagnation Risk: Bottom 100.0% in tier
- - ROA 0.17% below tier average
- - Efficiency ratio 13.97% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
738,238
-1.5% YoY-1.6% QoQ
|
-1.1M |
1,831,295
-0.2% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$14.2B
+3.5% YoY+0.3% QoQ
|
$-15.0B |
$29.1B
+3.6% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
29% |
| Loans |
$11.7B
+2.7% YoY-1.8% QoQ
|
$-9.7B |
$21.4B
+2.0% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$11.0B
+5.7% YoY+0.4% QoQ
|
$-13.9B |
$24.9B
+4.3% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.5% in tier |
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| ROA |
0.6%
+5.8% YoY+11.4% QoQ
|
-0.2% |
0.7%
+30.7% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
2.9%
+5.5% YoY+0.6% QoQ
|
-0.2% |
3.1%
+7.9% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
78.6%
+1.3% YoY-0.6% QoQ
|
+14.0% |
64.6%
-4.0% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 9.5% in tier |
| Delinquency Rate |
1.0%
+4.9% YoY+14.1% QoQ
|
-0.1 |
1.2%
+0.3% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
105.8%
-2.9% YoY-2.1% QoQ
|
+16.7% |
89.1%
-2.0% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 9.5% in tier |
| AMR |
$30,730
+5.7% YoY+0.8% QoQ
|
$-850 |
$31,580
+8.5% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
45.7%
+1.3% YoY+0.3% QoQ
|
+14.3% | 31.4% | 21.2% | 19.8% | Top 9.5% in tier |
| Indirect Auto % |
30.6%
+5.2% YoY-2.0% QoQ
|
+16.4% | 14.1% | 7.1% | 7.8% | 81% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)