BlastPoint's Credit Union Scorecard

CY-FAIR

Charter #11452 · TX

100M-500M
1069 CUs in 100M-500M nationally 79 in TX

CY-FAIR has 3 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 50.0% in tier
  • + Organic Growth Engine: Top 50.0% in tier
  • + Net Interest Margin 0.11% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - ROA 0.32% below tier average
  • - Efficiency ratio 2.05% above tier (higher cost structure)
  • - Delinquency rate 0.26% above tier average

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 26,076
+2.6% YoY+3.5% QoQ
 +10.6K 15,437
-2.9% YoY
 27,007
+3.4% YoY
 33,374
+5.7% YoY
 Top 10.7% in tier
Assets $383.5M
+5.9% YoY+2.1% QoQ
 +$151.7M $231.9M
+1.3% YoY
 $418.5M
+7.2% YoY
 $561.6M
+9.7% YoY
 Top 13.5% in tier
Loans $246.4M
-4.2% YoY-0.9% QoQ
 +$99.0M $147.3M
-0.1% YoY
 $298.6M
+5.4% YoY
 $397.0M
+8.8% YoY
 Top 15.0% in tier
Deposits $348.6M
+5.3% YoY+2.2% QoQ
 +$147.8M $200.8M
+0.8% YoY
 $347.2M
+7.2% YoY
 $477.3M
+9.7% YoY
 Top 10.4% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.4%
+28.7% YoY-14.4% QoQ
 -0.3% 0.8%
+18.2% YoY
 0.6%
+2.3% YoY
 0.7%
+15.9% YoY
 27%
NIM 3.7%
+3.2% YoY+0.4% QoQ
 +0.1% 3.6%
+6.7% YoY
 3.9%
+3.4% YoY
 3.8%
+5.1% YoY
 56%
Efficiency Ratio 79.1%
-5.4% YoY+1.4% QoQ
 +2.1% 77.0%
-3.1% YoY
 80.2%
-0.8% YoY
 79.7%
-3.3% YoY
 56%
Delinquency Rate 1.2%
+62.4% YoY+69.2% QoQ
 +0.3 0.9%
+4.2% YoY
 1.3%
+11.4% YoY
 1.3%
-2.1% YoY
 77%
Loan To Share 70.7%
-9.0% YoY-3.1% QoQ
 -1.6% 72.2%
-1.1% YoY
 71.4%
-2.7% YoY
 67.4%
-1.7% YoY
 43%
AMR $22,818
-1.4% YoY-2.5% QoQ
 $-2K $24,676
+3.4% YoY
 $17,599
+2.5% YoY
 $19,687
+2.0% YoY
 50%
CD Concentration 18.5%
-4.9% YoY-0.8% QoQ
 -5.9% 24.4% 21.2% 19.8% 50%
Indirect Auto % 9.1%
-29.8% YoY-10.3% QoQ
 -4.7% 13.8% 7.1% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#209 of 426 • Top 50.0% in tier

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

Why This Signature
Member Growth (YoY): 2.58%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 9.10%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth
#462 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.58%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.44%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 9.10%
(Tier: 13.79%, National: 7.78%)
better than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk
#147 of 705 • Bottom 50.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.44% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#160 of 208 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.36%
(Tier: 4.17%, National: 4.00%)
worse than tier avg
208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally
↓ Shrinking -190 CUs YoY | New qualifier

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)

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

111
Total Deposits
balance_sheet
Value: $348.63M
Peer Median: -
#111 of 1069 Top 10.3% in 100M-500M tier
114
Total Members
engagement
Value: 26,076
Peer Median: -
#114 of 1069 Top 10.6% in 100M-500M tier
135
Fee Income Per Member
profitability
Value: $254.48
Peer Median: -
#135 of 1069 Top 12.5% in 100M-500M tier
144
Total Assets
balance_sheet
Value: $383.54M
Peer Median: -
#144 of 1069 Top 13.4% in 100M-500M tier
160
Total Loans
balance_sheet
Value: $246.38M
Peer Median: -
#160 of 1069 Top 14.9% in 100M-500M tier
238
Member Growth Rate
growth
Value: 2.58%
Peer Median: -
#238 of 1069 Top 22.2% in 100M-500M tier

Top Weaknesses (5 metrics)

938
AMR Growth Rate
growth
Value: -1.36%
Peer Median: -
#938 of 1069 Bottom 12.3% in 100M-500M tier
929
Net Worth Ratio
risk
Value: 9.01%
Peer Median: -
#929 of 1069 Bottom 13.2% in 100M-500M tier
919
Loan Growth Rate
growth
Value: -4.16%
Peer Median: -
#919 of 1069 Bottom 14.1% in 100M-500M tier
908
Net Charge-Off Rate
risk
Value: 0.81%
Peer Median: -
#908 of 1069 Bottom 15.2% in 100M-500M tier
821
Total Delinquency Rate (60+ days)
risk
Value: 1.15%
Peer Median: -
#821 of 1069 Bottom 23.3% in 100M-500M tier
Link copied to clipboard!