BlastPoint's Credit Union Scorecard
FAITH COOPERATIVE
Charter #12859 · TX
FAITH COOPERATIVE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.43% above tier average
- + Efficiency Ratio: Top 0.9% in tier
- + Loan-to-Share Ratio: Top 6.5% in tier
- + Net Worth Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.95% above tier average
- - Average Member Relationship (AMR): Bottom 4.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.6% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +4.0% year over year ($1.7M in shares and deposits).
- Membership: 1,001 members, +0.5% vs a year ago.
- Delinquency rate 4.50%.
- Return on assets 3.92%.
- Efficiency ratio 35.51% vs a 88.77% peer average.
- Loan-to-share ratio 93.38% vs a 58.89% 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 |
1,001
+0.5% YoY+0.5% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
28% |
| Assets |
$2.3M
+5.6% YoY-1.5% QoQ
|
$-28.0M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.3% in tier |
| Loans |
$1.6M
-0.2% YoY-2.1% QoQ
|
$-13.9M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.9% in tier |
| Deposits |
$1.7M
+4.0% YoY-1.8% QoQ
|
$-24.1M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.2% in tier |
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| ROA |
3.9%
-4.8% YoY-1.2% QoQ
|
+2.4% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 2.6% in tier |
| NIM |
3.2%
-4.3% YoY-1.4% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
35.5%
-4.0% YoY+2.0% QoQ
|
-53.3% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 0.9% in tier |
| Delinquency Rate |
4.5%
+524.7% YoY+229.4% QoQ
|
+3.0 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.6% in tier |
| Loan To Share |
93.4%
-4.1% YoY-0.4% QoQ
|
+34.5% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 6.6% in tier |
| AMR |
$3,258
+1.5% YoY-2.4% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.7% in tier |
| CD Concentration |
2.4%
+30.0% YoY+2.3% QoQ
|
-22.1% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 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)