BlastPoint's Credit Union Scorecard
PLAINS
Charter #12274 · TX
<100M
2508 CUs in <100M nationally
237 in TX
PLAINS has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Deposit Growth Rate: Top 1.5% in tier
- + Asset Growth Rate: Top 3.6% in tier
- + AMR Growth Rate: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Efficiency ratio 7.52% above tier (higher cost structure)
- - Member decline: -7.2% YoY
- - Share Certificate Concentration (%): Bottom 5.2% in tier
- - Members Per Employee (MPE): Bottom 9.2% in tier
- - Member Growth Rate: Bottom 10.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
423
-7.2% YoY-1.6% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 11.6% in tier |
| Assets |
$3.9M
+13.4% YoY+7.3% QoQ
|
$-26.3M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$2.6M
-3.3% YoY+2.7% QoQ
|
$-12.7M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$3.3M
+20.9% YoY+8.9% QoQ
|
$-22.5M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
0.1%
-194.8% YoY-170.9% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
25% |
| NIM |
4.1%
-9.0% YoY-1.2% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
98.1%
-3.0% YoY-1.5% QoQ
|
+7.5% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
0.1%
+6.7% YoY-7.4% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
19% |
| Loan To Share |
79.3%
-20.0% YoY-5.7% QoQ
|
+20.8% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
81% |
| AMR |
$13,961
+17.3% YoY+7.8% QoQ
|
$-923 |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
50% |
| CD Concentration |
45.5%
+16.9% YoY+5.2% QoQ
|
+21.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
39
Deposit Growth Rate
growth
Value:
20.87%
Peer Median: 0.66%
#39 of 2508
Top 1.5% in <100M tier
91
Asset Growth Rate
growth
Value:
13.39%
Peer Median: 1.30%
#91 of 2508
Top 3.6% in <100M tier
93
AMR Growth Rate
growth
Value:
17.34%
Peer Median: 1.27%
#93 of 2508
Top 3.7% in <100M tier
475
Total Delinquency Rate (60+ days)
risk
Value:
0.06%
Peer Median: 0.65%
#475 of 2508
Top 18.9% in <100M tier
479
Loan-to-Share Ratio
balance_sheet
Value:
79.34%
Peer Median: 58.72%
#479 of 2508
Top 19.1% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (10 metrics)
2379
Share Certificate Concentration (%)
balance_sheet
Value:
45.55%
Peer Median: 12.45%
#2379 of 2508
Bottom 5.2% in <100M tier
2278
Members Per Employee (MPE)
engagement
Value:
141.000
Peer Median: 333.750
#2278 of 2508
Bottom 9.2% in <100M tier
2259
Member Growth Rate
growth
Value:
-7.24%
Peer Median: -1.37%
#2259 of 2508
Bottom 10.0% in <100M tier
2215
Total Members
engagement
Value:
423
Peer Median: 1,918
#2215 of 2508
Bottom 11.7% in <100M tier
2119
Total Assets
balance_sheet
Value:
$3.92M
Peer Median: $21.86M
#2119 of 2508
Bottom 15.6% in <100M tier
2093
Total Deposits
balance_sheet
Value:
$3.29M
Peer Median: $18.77M
#2093 of 2508
Bottom 16.6% in <100M tier
2064
Efficiency Ratio
profitability
Value:
98.15%
Peer Median: 81.45%
#2064 of 2508
Bottom 17.7% in <100M tier
2047
Fee Income Per Member
profitability
Value:
$8.80
Peer Median: $60.42
#2047 of 2508
Bottom 18.4% in <100M tier
1956
Total Loans
balance_sheet
Value:
$2.61M
Peer Median: $9.48M
#1956 of 2508
Bottom 22.0% in <100M tier
1892
Return on Assets (ROA)
profitability
Value:
0.08%
Peer Median: 0.61%
#1892 of 2508
Bottom 24.6% in <100M tier