BlastPoint's Credit Union Scorecard
FAITH COOPERATIVE
Charter #12859 · TX
FAITH COOPERATIVE has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.30% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.8% in tier
- + Loan-to-Share Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 5.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
985
-0.6% YoY-1.1% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$2.4M
+2.8% YoY+10.1% QoQ
|
$-27.5M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.1% in tier |
| Loans |
$1.8M
+0.2% YoY+14.4% QoQ
|
$-14.0M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$1.8M
+0.1% YoY+12.1% QoQ
|
$-23.6M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.2% in tier |
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| ROA |
4.0%
+48.0% YoY-3.4% QoQ
|
+3.3% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 1.2% in tier |
| NIM |
3.3%
-1.1% YoY-0.8% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
36.6%
-7.8% YoY-0.9% QoQ
|
-44.8% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
99.3%
+0.2% YoY+2.0% QoQ
|
+38.0% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 4.5% in tier |
| AMR |
$3,677
+0.8% YoY+14.5% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.7% in tier |
| CD Concentration |
2.3%
+34.0% YoY+23.2% QoQ
|
-22.1% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)