BlastPoint's Credit Union Scorecard
SWEETWATER REGIONAL
Charter #11377 · TX
SWEETWATER REGIONAL has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + AMR Growth Rate: Top 1.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 20.34% above tier (higher cost structure)
- - Member decline: -26.4% YoY
- - Member Growth Rate: Bottom 1.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
812
-26.4% YoY+0.5% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$6.5M
-2.3% YoY+2.8% QoQ
|
$-23.6M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
24% |
| Loans |
$2.8M
+2.5% YoY-3.0% QoQ
|
$-12.5M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
23% |
| Deposits |
$5.2M
-1.8% YoY+4.0% QoQ
|
$-20.6M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
24% |
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| ROA |
-0.5%
-39.9% YoY+142.3% QoQ
|
-0.7% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.9% in tier |
| NIM |
4.1%
+30.3% YoY+8.6% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
63% |
| Efficiency Ratio |
111.0%
-8.1% YoY-0.2% QoQ
|
+20.3% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.1% in tier |
| Delinquency Rate |
0.6%
+2.8% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
53.3%
+4.3% YoY-6.8% QoQ
|
-5.2% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
42% |
| AMR |
$9,874
+35.5% YoY+0.9% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
28% |
| CD Concentration |
14.7%
-4.0% YoY+4.5% QoQ
|
-9.6% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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)