BlastPoint's Credit Union Scorecard
CY-FAIR
Charter #11452 · TX
CY-FAIR has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.52% above tier average
- + Net Interest Margin 0.90% above tier average
- + Fee Income Per Member: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Delinquency rate 0.38% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
- Shares and deposits +2.9% year over year ($346M in shares and deposits).
- Membership: 25,897 members, +2.7% vs a year ago.
- Delinquency rate 1.26%.
- Return on assets 1.38%.
- Efficiency ratio 69.55% vs a 76.73% peer average.
- Loan-to-share ratio 71.20% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,897
+2.7% YoY+0.1% QoQ
|
+10.7K |
15,168
-2.6% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 10.7% in tier |
| Assets |
$383.5M
+4.0% YoY-1.0% QoQ
|
+$151.5M |
$232.0M
+0.7% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 13.3% in tier |
| Loans |
$246.4M
-1.5% YoY+1.9% QoQ
|
+$100.1M |
$146.3M
+0.2% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 13.9% in tier |
| Deposits |
$346.1M
+2.9% YoY-1.4% QoQ
|
+$145.4M |
$200.7M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Top 10.6% in tier |
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| ROA |
1.4%
+176.1% YoY-7.6% QoQ
|
+0.5% |
0.9%
+12.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
4.6%
+24.1% YoY+1.0% QoQ
|
+0.9% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 9.0% in tier |
| Efficiency Ratio |
69.5%
-10.1% YoY+6.4% QoQ
|
-7.2% |
76.7%
-0.8% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
1.3%
+63.6% YoY+29.9% QoQ
|
+0.4 |
0.9%
+6.6% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
80% |
| Loan To Share |
71.2%
-4.3% YoY+3.3% QoQ
|
-0.3% |
71.5%
-0.3% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
47% |
| AMR |
$22,879
-1.7% YoY-0.1% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
17.8%
-5.8% YoY-3.1% QoQ
|
-6.7% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
8.4%
-25.5% YoY-2.9% QoQ
|
-5.2% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)