BlastPoint's Credit Union Scorecard
LITTLEFIELD SCHOOL EMPLOYEES
Charter #12289 · TX
LITTLEFIELD SCHOOL EMPLOYEES has 4 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Efficiency ratio 11.98% above tier (higher cost structure)
- - Delinquency rate 0.95% above tier average
- - Loan Growth Rate: Bottom 2.1% in tier
- - Total Loans: Bottom 5.0% in tier
- - Total Members: Bottom 5.2% in tier
- - Total Assets: Bottom 6.0% in tier
- - Total Deposits: Bottom 6.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.6% in tier
- - AMR Growth Rate: Bottom 7.7% in tier
- - Fee Income Per Member: Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
217
-1.4% YoY-0.5% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 5.2% in tier |
| Assets |
$1.1M
+0.3% YoY+0.6% QoQ
|
$-28.8M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.0% in tier |
| Loans |
$281,995
-33.9% YoY-16.7% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.0% in tier |
| Deposits |
$854,263
+0.0% YoY+0.6% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-67.4% YoY+171.0% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
24% |
| NIM |
3.2%
-9.5% YoY+0.2% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
25% |
| Efficiency Ratio |
93.4%
+14.6% YoY-4.3% QoQ
|
+12.0% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate |
2.5%
-12.9% QoQ
|
+0.9 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
33.0%
-33.9% YoY-17.2% QoQ
|
-28.2% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 12.5% in tier |
| AMR |
$5,236
-10.0% YoY-3.9% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)