BlastPoint's Credit Union Scorecard

SECURITY SERVICE

Charter #11065 · TX

Titans 10B+

24 CUs in 10B+ nationally 2 in TX

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SECURITY SERVICE has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Titans Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Loan-to-Share Ratio: Top 4.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 4.2% in tier
- Liquidity Strain: Bottom 8.3% in tier
- Credit Quality Pressure: Bottom 33.3% in tier
- Institutional Decline: Bottom 70.8% in tier
- Indirect Auto Dependency: Bottom 87.5% in tier
- Membership Headwinds: Bottom 91.7% in tier
- Stagnation Risk: Bottom 91.7% in tier
- ROA 0.35% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	741,871 -2.8% YoY+0.5% QoQ	-970.7K	1,712,610 -8.0% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	29%
Assets	$14.2B +1.0% YoY+0.2% QoQ	$-13.9B	$28.2B -3.2% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	29%
Loans	$11.5B -1.5% YoY-1.1% QoQ	$-8.6B	$20.2B -4.4% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	33%
Deposits	$11.2B +4.5% YoY+2.0% QoQ	$-12.8B	$24.1B -2.9% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	21%

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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	0.5% +32.3% YoY-3.0% QoQ	-0.4%	0.9% +31.5% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	21%
NIM	3.0% +4.9% YoY+1.8% QoQ	-0.2%	3.2% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	38%
Efficiency Ratio	82.4% +3.1% YoY+4.9% QoQ	+18.6%	63.9% -3.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 4.2% in tier
Delinquency Rate	0.8% +16.8% YoY-22.8% QoQ	-0.1	0.9% -6.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	33%
Loan To Share	102.6% -5.7% YoY-3.1% QoQ	+16.6%	86.0% -3.3% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Top 8.3% in tier
AMR	$30,700 +4.3% YoY-0.1% QoQ	$-1K	$32,099 +9.5% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	54%
CD Concentration	45.2% +0.7% YoY-1.0% QoQ	+15.0%	30.2%	21.3%	19.8%	Top 12.5% in tier
Indirect Auto %	29.6% -3.7% YoY-3.0% QoQ	+14.7%	14.9%	6.9%	7.7%	79%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Credit Quality Pressure

risk

#8 of 19 • Bottom 33.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.07% points, National: 0.12% points)

worse than tier avg

19 of 24 Titans CUs have this signature | 1013 nationally

↑ Growing +6 CUs YoY

Liquidity Strain

risk

#5 of 10 • Bottom 8.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 102.57%

(Tier: 86.02%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -1.48%

(Tier: 12.96%, National: 1.74%)

worse than tier avg

10 of 24 Titans CUs have this signature | 367 nationally

→ Stable (9→10 CUs) +1 CUs YoY | Rank worsening

Efficiency Drag

risk

#1 of 1 • Bottom 4.2% in tier

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

Why This Signature

Efficiency Ratio: 82.44%

(Tier: 63.88%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.13% points

(Tier: 0.11% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -2.82%

(Tier: 8.10%, National: 10.19%)

worse than tier avg

1 of 24 Titans CUs have this signature | 702 nationally

→ Stable (1→1 CUs) | New qualifier

Indirect Auto Dependency

risk

#5 of 9 • Bottom 87.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.99%

(Tier: 14.88%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 29.63%

(Tier: 14.95%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.82%

(Tier: 8.10%, National: 10.19%)

worse than tier avg

9 of 24 Titans CUs have this signature | 745 nationally

→ Stable (8→9 CUs) +1 CUs YoY

Institutional Decline

decline

#2 of 3 • Bottom 70.8% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $14.21B

(Tier: $28.15B, National: $578.34M)

worse than tier avg

Member Growth (YoY): -2.82%

(Tier: 8.10%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.48%

(Tier: 12.96%, National: 1.74%)

worse than tier avg

3 of 24 Titans CUs have this signature | 289 nationally

→ No prior data (3 CUs now) | New qualifier

Membership Headwinds

decline

#3 of 5 • Bottom 91.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.82%

(Tier: 8.10%, National: 10.19%)

worse than tier avg

5 of 24 Titans CUs have this signature | 676 nationally

→ No prior data (5 CUs now) | New qualifier

Stagnation Risk

risk

#3 of 5 • Bottom 91.7% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.82%

(Tier: 8.10%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.48%

(Tier: 12.96%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.81%

(Tier: 0.91%, National: 1.19%)

but better than tier avg

5 of 24 Titans CUs have this signature | 676 nationally

→ No prior data (5 CUs now) | 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 24 peers in tier

Top Strengths (2 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 102.57%

Peer Median: 88.65%

#2 of 24 Top 4.2% in 10B+ tier

Net Charge-Off Rate

risk

Value: 0.38%

Peer Median: 0.74%

#4 of 24 Top 12.5% in 10B+ tier

Top Weaknesses (9 metrics)

Efficiency Ratio

profitability

Value: 82.44%

Peer Median: 62.83%

#24 of 24 Bottom 4.2% in 10B+ tier

Member Growth Rate

growth

Value: -2.82%

Peer Median: 4.08%

#22 of 24 Bottom 12.5% in 10B+ tier

Loan Growth Rate

growth

Value: -1.48%

Peer Median: 6.79%

#22 of 24 Bottom 12.5% in 10B+ tier

Share Certificate Concentration (%)

balance_sheet

Value: 45.24%

Peer Median: 31.24%

#22 of 24 Bottom 12.5% in 10B+ tier

Asset Growth Rate

growth

Value: 0.99%

Peer Median: 7.03%

#21 of 24 Bottom 16.7% in 10B+ tier

Indirect Auto Concentration (%)

balance_sheet

Value: 29.63%

Peer Median: 10.97%

#20 of 24 Bottom 20.8% in 10B+ tier

Members Per Employee (MPE)

engagement

Value: 362.065

Peer Median: 449.876

#20 of 24 Bottom 20.8% in 10B+ tier

Return on Assets (ROA)

profitability

Value: 0.54%

Peer Median: 0.77%

#19 of 24 Bottom 25.0% in 10B+ tier

Total Deposits

balance_sheet

Value: $11.24B

Peer Median: $15.86B

#19 of 24 Bottom 25.0% in 10B+ tier