BlastPoint's Credit Union Scorecard
COMPLEX COMMUNITY
Charter #12697 · TX
COMPLEX COMMUNITY has 5 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 34.1% in tier
- + Organic Growth Leader: Top 34.1% in tier
- + ROA 0.62% above tier average
- + Net Interest Margin 0.15% above tier average
- + Fee Income Per Member: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 12.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 10 that size in Texas.
- Shares and deposits +6.0% year over year ($709M in shares and deposits).
- Membership: 44,307 members, +1.5% vs a year ago.
- Delinquency rate 0.59%.
- Return on assets 1.47%.
- Efficiency ratio 64.11% vs a 74.54% peer average.
- Loan-to-share ratio 70.72% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,307
+1.5% YoY+0.4% QoQ
|
-8.2K |
52,482
+1.3% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$818.2M
+6.3% YoY+0.8% QoQ
|
$-45.7M |
$863.9M
+0.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$501.4M
-0.8% YoY-0.4% QoQ
|
$-106.4M |
$607.8M
+2.1% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.6% in tier |
| Deposits |
$708.9M
+6.0% YoY+0.6% QoQ
|
$-31.0M |
$739.9M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
35% |
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| ROA |
1.5%
-8.4% YoY+11.4% QoQ
|
+0.6% |
0.8%
+30.4% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 12.6% in tier |
| NIM |
3.7%
-0.9% YoY+1.3% QoQ
|
+0.2% |
3.5%
+6.2% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
64.1%
+3.9% YoY-0.1% QoQ
|
-10.4% |
74.5%
-1.4% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 14.4% in tier |
| Delinquency Rate |
0.6%
-2.2% YoY+6.2% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
70.7%
-6.5% YoY-1.1% QoQ
|
-11.9% |
82.6%
+1.9% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
17% |
| AMR |
$27,316
+1.6% YoY-0.2% QoQ
|
$-1K |
$28,702
+0.4% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
57% |
| CD Concentration |
27.0%
+13.4% YoY+3.9% QoQ
|
+2.5% | 24.6% | 21.6% | 20.0% | 61% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)