BlastPoint's Credit Union Scorecard
LONGVIEW
Charter #1130 · TX
2596 CUs in <100M nationally
245 in TX
LONGVIEW has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.83% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.42% below tier average
- - Efficiency ratio 25.72% above tier (higher cost structure)
- - Delinquency rate 4.69% above tier average
- - Fee Income Per Member: Bottom 0.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
516
-1.7% YoY-0.2% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 14.2% in tier |
| Assets |
$3.3M
-1.2% YoY-1.2% QoQ
|
$-26.5M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.1% in tier |
| Loans |
$2.9M
+7.6% YoY+7.2% QoQ
|
$-12.9M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$2.4M
-5.6% YoY-5.6% QoQ
|
$-23.1M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.4% in tier |
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| ROA |
-0.7%
-282.6% YoY-542.0% QoQ
|
-1.4% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.8% in tier |
| NIM |
4.8%
+0.6% YoY-1.2% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
107.1%
+18.5% YoY+20.2% QoQ
|
+25.7% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 7.0% in tier |
| Delinquency Rate |
6.2%
+104.1% YoY-18.1% QoQ
|
+4.7 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 4.3% in tier |
| Loan To Share |
119.0%
+13.9% YoY+13.5% QoQ
|
+57.8% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 0.8% in tier |
| AMR |
$10,195
+2.9% YoY+1.2% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
30% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% 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)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
18
Loan-to-Share Ratio
balance_sheet
Value:
118.99%
Peer Avg: -
#18 of 2596
Top 0.7% in <100M tier
356
Net Worth Ratio
risk
Value:
23.26%
Peer Avg: -
#356 of 2596
Top 13.7% in <100M tier
382
Loan Growth Rate
growth
Value:
7.60%
Peer Avg: -
#382 of 2596
Top 14.7% in <100M tier
505
Net Interest Margin (NIM)
profitability
Value:
4.76%
Peer Avg: -
#505 of 2596
Top 19.4% in <100M tier
Top Weaknesses (10 metrics)
2587
Fee Income Per Member
profitability
Value:
$-29.87
Peer Avg: -
#2587 of 2596
Bottom 0.4% in <100M tier
2485
Total Delinquency Rate (60+ days)
risk
Value:
6.20%
Peer Avg: -
#2485 of 2596
Bottom 4.3% in <100M tier
2419
Return on Assets (ROA)
profitability
Value:
-0.74%
Peer Avg: -
#2419 of 2596
Bottom 6.9% in <100M tier
2414
Efficiency Ratio
profitability
Value:
107.12%
Peer Avg: -
#2414 of 2596
Bottom 7.0% in <100M tier
2293
Members Per Employee (MPE)
engagement
Value:
172.000
Peer Avg: -
#2293 of 2596
Bottom 11.7% in <100M tier
2248
Total Deposits
balance_sheet
Value:
$2.40M
Peer Avg: -
#2248 of 2596
Bottom 13.4% in <100M tier
2231
Total Assets
balance_sheet
Value:
$3.32M
Peer Avg: -
#2231 of 2596
Bottom 14.1% in <100M tier
2228
Total Members
engagement
Value:
516
Peer Avg: -
#2228 of 2596
Bottom 14.2% in <100M tier
2189
Deposit Growth Rate
growth
Value:
-5.56%
Peer Avg: -
#2189 of 2596
Bottom 15.7% in <100M tier
1996
Total Loans
balance_sheet
Value:
$2.86M
Peer Avg: -
#1996 of 2596
Bottom 23.2% in <100M tier