BlastPoint's Credit Union Scorecard
NSPIRE
Charter #11721 · TX
NSPIRE faces 7 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.04% below tier average
- - Efficiency ratio 4.91% above tier (higher cost structure)
- - Member decline: -9.1% YoY
- - Indirect Auto Concentration (%): Bottom 1.8% in tier
- - Loan Growth Rate: Bottom 5.9% in tier
- - Member Growth Rate: Bottom 7.0% in tier
- - Share Certificate Concentration (%): Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,562
-9.1% YoY-1.3% QoQ
|
-114 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
61% |
| Assets |
$30.2M
+0.9% YoY+1.8% QoQ
|
$-14K |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
59% |
| Loans |
$20.8M
-20.6% YoY-7.2% QoQ
|
+$5.6M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
72% |
| Deposits |
$26.1M
+0.9% YoY+1.9% QoQ
|
+$352K |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
-0.9%
+804.1% YoY
|
-1.0% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.0% in tier |
| NIM |
3.2%
-3.7% YoY-9.8% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
95.5%
+2.6% YoY+9.7% QoQ
|
+4.9% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
79% |
| Delinquency Rate |
0.8%
+197.6% YoY-33.3% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
55% |
| Loan To Share |
79.8%
-21.4% YoY-8.9% QoQ
|
+21.3% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
81% |
| AMR |
$18,338
-0.9% YoY-1.1% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
37.0%
+5.0% YoY-0.7% QoQ
|
+12.7% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
46.9%
-7.1% YoY-2.4% QoQ
|
+33.1% | 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)