BlastPoint's Credit Union Scorecard
MOORE COUNTY SCHOOLS
Charter #11458 · TX
MOORE COUNTY SCHOOLS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.80% below tier average
- - Delinquency rate 0.38% above tier average
- - Member decline: -10.5% YoY
- - Asset Growth Rate: Bottom 1.8% in tier
- - Deposit Growth Rate: Bottom 2.1% in tier
- - Member Growth Rate: Bottom 5.7% in tier
- - Loan Growth Rate: Bottom 8.2% in tier
- - Net Charge-Off Rate: Bottom 8.9% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -18.2% year over year ($4.4M in shares and deposits).
- Membership: 731 members, -10.5% vs a year ago.
- Delinquency rate 1.92%.
- Return on assets 0.69%.
- Efficiency ratio 83.10% vs a 88.77% peer average.
- Loan-to-share ratio 74.88% vs a 58.89% 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 |
731
-10.5% YoY-10.1% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$5.1M
-16.3% YoY-3.1% QoQ
|
$-25.2M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$3.3M
-18.2% YoY-5.4% QoQ
|
$-12.2M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$4.4M
-18.2% YoY-3.4% QoQ
|
$-21.4M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
0.7%
-310.6% YoY-472.1% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
4.1%
+19.8% YoY-7.5% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
83.1%
-24.1% YoY-19.3% QoQ
|
-5.7% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
57% |
| Delinquency Rate |
1.9%
+603.2% YoY+556.7% QoQ
|
+0.4 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
74.9%
-0.0% YoY-2.1% QoQ
|
+16.0% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$10,529
-8.6% YoY+6.4% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration |
16.2%
+23.5% YoY+3.1% QoQ
|
-8.3% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)