BlastPoint's Credit Union Scorecard

4U

Charter #11067 · TX

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

4U has 8 strengths but faces 5 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

+ Organic Growth Leader: Top 11.9% in tier
+ Organic Growth Engine: Top 15.7% in tier
+ Credit Quality Leader: Top 23.0% in tier
+ Relationship Depth Leader: Top 57.8% in tier
+ Emerging Performer: Top 61.6% in tier
+ ROA 0.06% above tier average
+ Net Charge-Off Rate: Top 4.5% in tier
+ Total Delinquency Rate (60+ days): Top 6.5% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 23.5% in tier
- Indirect Auto Dependency: Bottom 26.7% in tier
- Efficiency Drag: Bottom 28.5% in tier
- Credit Quality Pressure: Bottom 29.4% in tier
- Efficiency ratio 3.54% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	8,309 +3.3% YoY+0.8% QoQ	-7.3K	15,628 -3.4% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	18%
Assets	$144.5M +7.0% YoY+1.7% QoQ	$-86.8M	$231.3M -0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	28%
Loans	$109.4M +8.3% YoY+1.1% QoQ	$-38.4M	$147.8M -1.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	41%
Deposits	$129.6M +6.8% YoY+1.7% QoQ	$-70.7M	$200.3M -0.0% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	30%

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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	0.9% +171.8% YoY-22.1% QoQ	+0.1%	0.8% +15.5% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	56%
NIM	3.1% +5.3% YoY+1.8% QoQ	-0.4%	3.6% +6.9% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	25%
Efficiency Ratio	80.8% -11.6% YoY+5.8% QoQ	+3.5%	77.3% -3.0% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	64%
Delinquency Rate	0.1% +2.9% YoY+65.4% QoQ	-0.7	0.9% +7.6% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	Bottom 6.5% in tier
Loan To Share	84.4% +1.4% YoY-0.6% QoQ	+11.7%	72.7% -1.5% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	73%
AMR	$28,760 +4.1% YoY+0.6% QoQ	+$4K	$24,363 +2.9% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	79%
CD Concentration	31.8% +20.2% YoY+3.8% QoQ	+7.3%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	16.2% +34.0% YoY+5.1% QoQ	+2.2%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Leader

growth

#158 of 430 • Top 11.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.26%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 16.17%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#289 of 603 • Top 15.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.26%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.85%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 16.17%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Credit Quality Leader

growth

#79 of 340 • Top 23.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.12%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.00% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY

Relationship Depth Leader

growth

#149 of 257 • Top 57.8% 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): 4.08%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.2K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Emerging Performer

growth

#118 of 191 • Top 61.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.85%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 3.26%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#352 of 446 • Bottom 23.5% in tier

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

Why This Signature

Loan Growth (YoY): 8.28%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

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

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#430 of 525 • Bottom 26.7% in tier

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

Why This Signature

Asset Growth (YoY): 7.00%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 16.17%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.26%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Efficiency Drag

risk

#504 of 521 • Bottom 28.5% in tier

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

Why This Signature

Efficiency Ratio: 80.82%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.54% points

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

but better than tier avg

Member Growth (YoY): 3.26%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#728 of 736 • Bottom 29.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.00% points

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

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

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 (7 metrics)

Net Charge-Off Rate

risk

Value: 0.03%

Peer Avg: -

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

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Avg: -

#71 of 1077 Top 6.5% in 100M-500M tier

162

Fee Income Per Member

profitability

Value: $244.00

Peer Avg: -

#162 of 1077 Top 14.9% in 100M-500M tier

183

Loan-to-Member Ratio (LMR)

engagement

Value: $13,162

Peer Avg: -

#183 of 1077 Top 16.9% in 100M-500M tier

190

Member Growth Rate

growth

Value: 3.26%

Peer Avg: -

#190 of 1077 Top 17.5% in 100M-500M tier

223

Average Member Relationship (AMR)

engagement

Value: $28,760

Peer Avg: -

#223 of 1077 Top 20.6% in 100M-500M tier

233

Loan Growth Rate

growth

Value: 8.28%

Peer Avg: -

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

Top Weaknesses (4 metrics)

880

Total Members

engagement

Value: 8,309

Peer Avg: -

#880 of 1077 Bottom 18.4% in 100M-500M tier

877

Members Per Employee (MPE)

engagement

Value: 251.788

Peer Avg: -

#877 of 1077 Bottom 18.7% in 100M-500M tier

876

Net Worth Ratio

risk

Value: 9.36%

Peer Avg: -

#876 of 1077 Bottom 18.8% in 100M-500M tier

828

Share Certificate Concentration (%)

balance_sheet

Value: 31.75%

Peer Avg: -

#828 of 1077 Bottom 23.2% in 100M-500M tier