BlastPoint's Credit Union Scorecard

COMPLEX COMMUNITY

Charter #12697 · TX

Community 750M-1B
117 CUs in 750M-1B nationally 11 in TX
View Community leaderboard →

COMPLEX COMMUNITY has 5 strengths but faces 3 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 35.9% in tier
  • + Organic Growth Leader: Top 71.3% in tier
  • + ROA 0.32% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 76.3% in tier
  • - Credit Risk Growth: Bottom 94.7% in tier
  • - Asset Growth Rate: Bottom 3.4% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 43,835
+1.5% YoY-0.2% QoQ
 -8.2K 52,084
-1.6% YoY
 27,007
+3.4% YoY
 33,374
+5.7% YoY
 30%
Assets $783.9M
-5.3% YoY+1.2% QoQ
 $-80.0M $863.9M
+0.5% YoY
 $418.5M
+7.2% YoY
 $561.6M
+9.7% YoY
 16%
Loans $500.4M
+0.9% YoY-1.7% QoQ
 $-105.4M $605.8M
+1.4% YoY
 $298.6M
+5.4% YoY
 $397.0M
+8.8% YoY
 16%
Deposits $679.1M
+4.3% YoY+1.8% QoQ
 $-58.1M $737.3M
+0.1% YoY
 $347.2M
+7.2% YoY
 $477.3M
+9.7% YoY
 19%

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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 1.1%
+7.1% YoY-33.6% QoQ
 +0.3% 0.7%
+39.1% YoY
 0.6%
+2.3% YoY
 0.7%
+15.9% YoY
 75%
NIM 3.3%
+3.6% YoY-11.0% QoQ
 -0.0% 3.4%
+8.7% YoY
 3.9%
+3.4% YoY
 3.8%
+5.1% YoY
 44%
Efficiency Ratio 69.6%
+3.0% YoY+11.2% QoQ
 -4.8% 74.3%
-3.6% YoY
 80.2%
-0.8% YoY
 79.7%
-3.3% YoY
 28%
Delinquency Rate 0.7%
+15.0% YoY-2.4% QoQ
 -0.2 0.9%
+3.8% YoY
 1.3%
+11.4% YoY
 1.3%
-2.1% YoY
 43%
Loan To Share 73.7%
-3.2% YoY-3.5% QoQ
 -8.9% 82.6%
+1.1% YoY
 71.4%
-2.7% YoY
 67.4%
-1.7% YoY
 22%
AMR $26,909
+1.3% YoY+0.5% QoQ
 $-2K $28,873
+2.7% YoY
 $17,599
+2.5% YoY
 $19,687
+2.0% YoY
 53%
CD Concentration 25.1%
+5.1% YoY+5.3% QoQ
 +0.7% 24.4% 21.2% 19.8% 53%
Indirect Auto % 0.0% -13.8% 13.8% 7.1% 7.8% Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#214 of 595 • Top 35.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.52%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 1.06%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.79%, National: 7.78%)
better than tier avg
913 nationally
→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth
#304 of 426 • Top 71.3% in tier

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

Why This Signature
Member Growth (YoY): 1.52%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.79%, National: 7.78%)
better than tier avg
609 nationally
→ No prior data (426 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk
#538 of 705 • Bottom 76.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.09% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
969 nationally
↓ Shrinking -150 CUs YoY | Rank worsening

Credit Risk Growth

risk
#432 of 456 • Bottom 94.7% in tier

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

Why This Signature
Loan Growth (YoY): 0.90%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
Delinquency Change (YoY): 0.09% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
665 nationally
→ No prior data (456 CUs now) | New qualifier

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)

Comparing against 117 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 117 Top 0.0% in 750M-1B tier
10
Fee Income Per Member
profitability
Value: $359.75
Peer Median: -
#10 of 117 Top 7.7% in 750M-1B tier
22
Net Worth Ratio
risk
Value: 13.64%
Peer Median: -
#22 of 117 Top 17.9% in 750M-1B tier
29
Return on Assets (ROA)
profitability
Value: 1.06%
Peer Median: -
#29 of 117 Top 23.9% in 750M-1B tier

Top Weaknesses (6 metrics)

114
Asset Growth Rate
growth
Value: -5.28%
Peer Median: -
#114 of 117 Bottom 3.4% in 750M-1B tier
98
Total Assets
balance_sheet
Value: $783.87M
Peer Median: -
#98 of 117 Bottom 17.1% in 750M-1B tier
98
Total Loans
balance_sheet
Value: $500.41M
Peer Median: -
#98 of 117 Bottom 17.1% in 750M-1B tier
95
Total Deposits
balance_sheet
Value: $679.15M
Peer Median: -
#95 of 117 Bottom 19.7% in 750M-1B tier
91
AMR Growth Rate
growth
Value: 1.27%
Peer Median: -
#91 of 117 Bottom 23.1% in 750M-1B tier
91
Loan-to-Share Ratio
balance_sheet
Value: 73.68%
Peer Median: -
#91 of 117 Bottom 23.1% in 750M-1B tier
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