BlastPoint's Credit Union Scorecard
SWEETWATER REGIONAL
Charter #11377 · TX
SWEETWATER REGIONAL has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.84% below tier average
- - Efficiency ratio 28.62% above tier (higher cost structure)
- - Member decline: -3.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
808
-3.3% YoY-1.6% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$6.4M
-4.6% YoY-5.2% QoQ
|
$-23.8M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$2.9M
+1.8% YoY-3.1% QoQ
|
$-12.9M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$5.0M
-2.0% YoY-2.2% QoQ
|
$-20.7M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
-0.2%
-84.6% YoY-47.0% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.2% in tier |
| NIM |
3.8%
+19.8% YoY+5.1% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
111.2%
-11.4% YoY-3.5% QoQ
|
+28.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.1% in tier |
| Delinquency Rate | 0.6% | -1.0 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
57.1%
+3.9% YoY-0.9% QoQ
|
-3.5% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$9,783
+2.8% YoY-1.0% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
14.1%
-9.5% YoY+2.9% QoQ
|
-10.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)