BlastPoint's Credit Union Scorecard

COMPLEX COMMUNITY

Charter #12697 · TX

Community 750M-1B

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

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COMPLEX COMMUNITY has 7 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 4.8% in tier
+ Organic Growth Leader: Top 17.6% in tier
+ Profitability Leader: Top 33.6% in tier
+ ROA 0.89% above tier average
+ Net Interest Margin 0.39% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Fee Income Per Member: Top 5.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.8% in tier
- Credit Risk Growth: Bottom 22.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	43,943 +2.2% YoY+0.7% QoQ	-8.2K	52,114 -2.1% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	31%
Assets	$774.4M -2.5% YoY+0.6% QoQ	$-84.6M	$859.0M +0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	Bottom 14.3% in tier
Loans	$509.3M +1.8% YoY+0.7% QoQ	$-94.1M	$603.4M +1.0% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	20%
Deposits	$667.2M +8.0% YoY-0.2% QoQ	$-67.0M	$734.2M +0.9% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	Bottom 12.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% +43.4% YoY-0.2% QoQ	+0.9%	0.7% +27.6% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	Top 4.5% in tier
NIM	3.8% +14.0% YoY+1.8% QoQ	+0.4%	3.4% +9.6% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	73%
Efficiency Ratio	62.5% -2.6% YoY+1.3% QoQ	-12.0%	74.5% -3.2% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	15%
Delinquency Rate	0.7% +52.9% YoY+14.6% QoQ	-0.1	0.8% +5.0% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	52%
Loan To Share	76.3% -5.7% YoY+1.0% QoQ	-6.3%	82.7% +0.1% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	27%
AMR	$26,773 +2.9% YoY-0.5% QoQ	$-2K	$28,651 +2.5% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	52%
CD Concentration	23.9% +12.3% YoY+0.1% QoQ	-0.5%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	48%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#88 of 603 • Top 4.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.24%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.60%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth

#233 of 430 • Top 17.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.24%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Profitability Leader

growth

#115 of 340 • Top 33.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.60%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.48% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (2)

Credit Quality Pressure

risk

#318 of 736 • Bottom 12.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.24% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#333 of 446 • Bottom 22.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.83%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.24% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 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 112 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 112 Top 0.0% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.60%

Peer Avg: -

#5 of 112 Top 3.6% in 750M-1B tier

Fee Income Per Member

profitability

Value: $349.06

Peer Avg: -

#7 of 112 Top 5.4% in 750M-1B tier

Efficiency Ratio

profitability

Value: 62.52%

Peer Avg: -

#18 of 112 Top 15.2% in 750M-1B tier

Net Worth Ratio

risk

Value: 13.94%

Peer Avg: -

#18 of 112 Top 15.2% in 750M-1B tier

Deposit Growth Rate

growth

Value: 7.96%

Peer Avg: -

#25 of 112 Top 21.4% in 750M-1B tier

Top Weaknesses (5 metrics)

101

Asset Growth Rate

growth

Value: -2.54%

Peer Avg: -

#101 of 112 Bottom 10.7% in 750M-1B tier

Total Deposits

balance_sheet

Value: $667.21M

Peer Avg: -

#98 of 112 Bottom 13.4% in 750M-1B tier

Total Assets

balance_sheet

Value: $774.37M

Peer Avg: -

#96 of 112 Bottom 15.2% in 750M-1B tier

Total Loans

balance_sheet

Value: $509.26M

Peer Avg: -

#89 of 112 Bottom 21.4% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 278.120

Peer Avg: -

#88 of 112 Bottom 22.3% in 750M-1B tier