BlastPoint's Credit Union Scorecard

COMPLEX COMMUNITY

Charter #12697 · TX

Community 750M-1B

117 CUs in 750M-1B nationally 12 in TX

View Community leaderboard →

COMPLEX COMMUNITY has 5 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 35.6% in tier
+ Organic Growth Leader: Top 35.6% in tier
+ ROA 0.56% above tier average
+ Net Interest Margin 0.16% above tier average
+ Fee Income Per Member: Top 6.0% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 15.5% in tier
- Credit Quality Pressure: Bottom 35.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	44,122 +1.4% YoY+0.7% QoQ	-7.4K	51,500 +0.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	32%
Assets	$811.9M +5.2% YoY+3.6% QoQ	$-53.7M	$865.6M +0.9% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	30%
Loans	$503.5M -0.4% YoY+0.6% QoQ	$-91.8M	$595.3M +1.6% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	18%
Deposits	$704.4M +4.5% YoY+3.7% QoQ	$-37.8M	$742.2M +0.6% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	33%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.3% -15.8% YoY+24.2% QoQ	+0.6%	0.8% +45.0% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	83%
NIM	3.6% +4.0% YoY+8.0% QoQ	+0.2%	3.5% +6.1% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	61%
Efficiency Ratio	64.2% +6.2% YoY-7.7% QoQ	-11.4%	75.5% -3.4% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	17%
Delinquency Rate	0.6% +24.4% YoY-17.7% QoQ	-0.1	0.7% -0.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	46%
Loan To Share	71.5% -4.7% YoY-3.0% QoQ	-9.1%	80.6% +0.7% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	21%
AMR	$27,375 +1.0% YoY+1.7% QoQ	$-2K	$28,908 +0.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	55%
CD Concentration	26.0% +11.4% YoY+3.6% QoQ	+1.8%	24.3%	21.3%	19.8%	57%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#107 of 352 • Top 35.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.42%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.32%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#276 of 371 • Top 35.6% in tier

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

Why This Signature

Member Growth (YoY): 1.42%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Margin Compression

decline

#18 of 133 • Bottom 15.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.32%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.57%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.25% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 284 Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Credit Quality Pressure

risk

#477 of 727 • Bottom 35.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.79%

#1 of 117 Top 0.1% in 750M-1B tier

Fee Income Per Member

profitability

Value: $367.50

Peer Median: $187.56

#8 of 117 Top 6.0% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.32%

Peer Median: 0.63%

#20 of 117 Top 16.2% in 750M-1B tier

Net Worth Ratio

risk

Value: 13.49%

Peer Median: 10.69%

#20 of 117 Top 16.2% in 750M-1B tier

Efficiency Ratio

profitability

Value: 64.17%

Peer Median: 77.38%

#21 of 117 Top 17.1% in 750M-1B tier

Top Weaknesses (4 metrics)

100

Net Charge-Off Rate

risk

Value: 1.05%

Peer Median: 0.47%

#100 of 117 Bottom 15.4% in 750M-1B tier

Total Loans

balance_sheet

Value: $503.46M

Peer Median: $618.21M

#96 of 117 Bottom 18.8% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 71.47%

Peer Median: 84.41%

#92 of 117 Bottom 22.2% in 750M-1B tier

Loan Growth Rate

growth

Value: -0.40%

Peer Median: 4.33%

#90 of 117 Bottom 23.9% in 750M-1B tier