BlastPoint's Credit Union Scorecard

4U

Charter #11067 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

4U has 6 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Total Delinquency Rate (60+ days): Top 1.4% in tier
+ AMR Growth Rate: Top 1.6% in tier
+ Net Charge-Off Rate: Top 2.6% in tier
+ Loan-to-Member Ratio (LMR): Top 7.8% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.53% below tier average
- Efficiency ratio 16.71% above tier (higher cost structure)
- Member decline: -10.0% YoY
- Member Growth Rate: Bottom 3.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	7,349 -10.0% YoY-12.7% QoQ	-7.8K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Bottom 13.7% in tier
Assets	$152.0M +4.7% YoY+3.0% QoQ	$-79.7M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	32%
Loans	$120.5M +11.5% YoY+3.8% QoQ	$-23.7M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	49%
Deposits	$136.8M +4.3% YoY+3.2% QoQ	$-64.3M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	34%

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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	0.2% -74.6% YoY-74.9% QoQ	-0.5%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	16%
NIM	3.1% +3.8% YoY-0.3% QoQ	-0.5%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	94.7% +17.0% YoY+16.1% QoQ	+16.7%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 5.9% in tier
Delinquency Rate	0.0% -90.2% QoQ	-0.8	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Top 1.4% in tier
Loan To Share	88.1% +7.0% YoY+0.5% QoQ	+17.6%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Top 14.2% in tier
AMR	$35,013 +19.4% YoY+18.5% QoQ	+$10K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Top 10.2% in tier
CD Concentration	33.7% +6.8% YoY+4.3% QoQ	+9.5%	24.3%	21.3%	19.8%	50%
Indirect Auto %	16.2% +13.8% YoY-2.8% QoQ	+2.4%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#9 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 19.44%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.0K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#24 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 19.44%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (4)

Membership Headwinds

decline

#39 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -9.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#391 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 94.74%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.57% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -9.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#336 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 4.69%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 16.17%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -9.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

Stagnation Risk

risk

#401 of 570 • Bottom 50.0% 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): -9.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 11.53%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.02%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 1070 peers in tier

Top Strengths (7 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.02%

Peer Median: 0.61%

#16 of 1070 Top 1.4% in 100M-500M tier

AMR Growth Rate

growth

Value: 19.44%

Peer Median: 3.46%

#18 of 1070 Top 1.6% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.02%

Peer Median: 0.35%

#29 of 1070 Top 2.6% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,396

Peer Median: $9,356

#84 of 1070 Top 7.8% in 100M-500M tier

109

Average Member Relationship (AMR)

engagement

Value: $35,013

Peer Median: $22,931

#109 of 1070 Top 10.1% in 100M-500M tier

134

Loan Growth Rate

growth

Value: 11.53%

Peer Median: 2.93%

#134 of 1070 Top 12.4% in 100M-500M tier

152

Loan-to-Share Ratio

balance_sheet

Value: 88.07%

Peer Median: 71.88%

#152 of 1070 Top 14.1% in 100M-500M tier

Top Weaknesses (8 metrics)

1034

Member Growth Rate

growth

Value: -9.96%

Peer Median: -0.06%

#1034 of 1070 Bottom 3.5% in 100M-500M tier

1018

Members Per Employee (MPE)

engagement

Value: 204.139

Peer Median: 309.176

#1018 of 1070 Bottom 5.0% in 100M-500M tier

1008

Efficiency Ratio

profitability

Value: 94.74%

Peer Median: 78.68%

#1008 of 1070 Bottom 5.9% in 100M-500M tier

923

Total Members

engagement

Value: 7,349

Peer Median: 13,200

#923 of 1070 Bottom 13.8% in 100M-500M tier

909

Net Worth Ratio

risk

Value: 9.09%

Peer Median: 11.45%

#909 of 1070 Bottom 15.1% in 100M-500M tier

897

Return on Assets (ROA)

profitability

Value: 0.20%

Peer Median: 0.69%

#897 of 1070 Bottom 16.3% in 100M-500M tier

876

Share Certificate Concentration (%)

balance_sheet

Value: 33.74%

Peer Median: 23.10%

#876 of 1070 Bottom 18.2% in 100M-500M tier

839

Net Interest Margin (NIM)

profitability

Value: 3.14%

Peer Median: 3.62%

#839 of 1070 Bottom 21.7% in 100M-500M tier