BlastPoint's Credit Union Scorecard
MOPAC EMPLOYEES
Charter #1129 · TX
MOPAC EMPLOYEES has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Efficiency ratio 0.85% 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 |
2,374
+2.2% YoY-0.5% QoQ
|
-251 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$20.9M
-1.5% YoY-3.6% QoQ
|
$-8.9M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
49% |
| Loans |
$18.5M
+2.5% YoY-4.4% QoQ
|
+$2.7M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$18.7M
-1.7% YoY-1.8% QoQ
|
$-6.7M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
51% |
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| ROA |
0.6%
+0.1% YoY-8.6% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
42% |
| NIM |
4.0%
+3.6% YoY+2.4% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
82.2%
-4.4% YoY-0.1% QoQ
|
+0.9% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.5%
+1.1% YoY-35.9% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
98.7%
+4.3% YoY-2.6% QoQ
|
+37.5% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 4.9% in tier |
| AMR |
$15,671
-1.8% YoY-2.7% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
61% |
| CD Concentration |
14.3%
+40.6% YoY+0.2% QoQ
|
-10.1% |
24.4%
+4.2% YoY
|
20.9%
+7.2% 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 (0)
Concerns (0)
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)