BlastPoint's Credit Union Scorecard

CY-FAIR

Charter #11452 · TX

100M-500M
1070 CUs in 100M-500M nationally 80 in TX

CY-FAIR has 5 strengths but faces 3 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 Engine: Top 50.0% in tier
  • + Organic Growth Leader: Top 50.0% in tier
  • + ROA 0.77% above tier average
  • + Net Interest Margin 0.91% above tier average
  • + Fee Income Per Member: Top 5.9% 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 0.20% above tier average

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 25,878
+2.1% YoY-0.8% QoQ
 +10.7K 15,145
-2.5% YoY
 29,039
+7.4% YoY
 33,913
+5.7% YoY
 Top 10.6% in tier
Assets $387.3M
+3.9% YoY+1.0% QoQ
 +$155.5M $231.7M
+0.8% YoY
 $450.8M
+10.3% YoY
 $578.3M
+9.0% YoY
 Top 13.1% in tier
Loans $241.9M
-4.6% YoY-1.8% QoQ
 +$97.7M $144.1M
+0.2% YoY
 $318.1M
+8.9% YoY
 $402.4M
+8.7% YoY
 Top 14.6% in tier
Deposits $351.0M
+3.1% YoY+0.7% QoQ
 +$149.8M $201.1M
+0.4% YoY
 $378.7M
+10.8% YoY
 $494.3M
+9.1% YoY
 Top 10.4% in tier

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

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ROA 1.5%
+156.9% YoY+239.3% QoQ
 +0.8% 0.7%
+5.1% YoY
 -0.2%
-134.7% YoY
 0.4%
-39.2% YoY
 Top 11.5% in tier
NIM 4.5%
+23.2% YoY+22.1% QoQ
 +0.9% 3.6%
+4.6% YoY
 3.9%
-0.7% YoY
 3.8%
+4.1% YoY
 Top 9.0% in tier
Efficiency Ratio 65.3%
-14.9% YoY-17.4% QoQ
 -12.7% 78.0%
-1.7% YoY
 98.7%
+20.4% YoY
 84.6%
+2.8% YoY
 16%
Delinquency Rate 1.0%
+47.8% YoY-15.6% QoQ
 +0.2 0.8%
+7.1% YoY
 1.2%
+13.1% YoY
 1.2%
+3.4% YoY
 75%
Loan To Share 68.9%
-7.4% YoY-2.5% QoQ
 -1.5% 70.4%
-0.4% YoY
 69.5%
-2.6% YoY
 65.6%
-1.4% YoY
 44%
AMR $22,910
-2.2% YoY+0.4% QoQ
 $-2K $24,918
+2.7% YoY
 $17,820
+2.9% YoY
 $19,920
+1.6% YoY
 50%
CD Concentration 18.4%
-2.3% YoY-0.4% QoQ
 -5.9% 24.3% 21.3% 19.8% 50%
Indirect Auto % 8.7%
-30.5% YoY-4.6% QoQ
 -5.1% 13.8% 6.9% 7.7% 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#149 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.08%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 1.50%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 8.68%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth
#220 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.08%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 8.68%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk
#217 of 727 • 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): 0.31% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#142 of 238 • 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): -2.20%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 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 1070 peers in tier

Top Strengths (8 metrics)

64
Fee Income Per Member
profitability
Value: $286.89
Peer Median: $154.95
#64 of 1070 Top 5.9% in 100M-500M tier
96
Net Interest Margin (NIM)
profitability
Value: 4.54%
Peer Median: 3.62%
#96 of 1070 Top 8.9% in 100M-500M tier
111
Total Deposits
balance_sheet
Value: $350.98M
Peer Median: $171.29M
#111 of 1070 Top 10.3% in 100M-500M tier
113
Total Members
engagement
Value: 25,878
Peer Median: 13,200
#113 of 1070 Top 10.5% in 100M-500M tier
123
Return on Assets (ROA)
profitability
Value: 1.50%
Peer Median: 0.69%
#123 of 1070 Top 11.4% in 100M-500M tier
140
Total Assets
balance_sheet
Value: $387.25M
Peer Median: $196.57M
#140 of 1070 Top 13.0% in 100M-500M tier
156
Total Loans
balance_sheet
Value: $241.88M
Peer Median: $121.41M
#156 of 1070 Top 14.5% in 100M-500M tier
170
Efficiency Ratio
profitability
Value: 65.34%
Peer Median: 78.68%
#170 of 1070 Top 15.8% in 100M-500M tier

Top Weaknesses (4 metrics)

954
AMR Growth Rate
growth
Value: -2.20%
Peer Median: 3.46%
#954 of 1070 Bottom 10.9% in 100M-500M tier
950
Net Charge-Off Rate
risk
Value: 1.03%
Peer Median: 0.35%
#950 of 1070 Bottom 11.3% in 100M-500M tier
939
Loan Growth Rate
growth
Value: -4.55%
Peer Median: 2.93%
#939 of 1070 Bottom 12.3% in 100M-500M tier
877
Net Worth Ratio
risk
Value: 9.31%
Peer Median: 11.45%
#877 of 1070 Bottom 18.1% in 100M-500M tier
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