BlastPoint's Credit Union Scorecard
FAITH COOPERATIVE
Charter #12859 · TX
FAITH COOPERATIVE has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.82% above tier average
- + Efficiency Ratio: Top 1.4% in tier
- + Loan-to-Share Ratio: Top 5.7% in tier
- + Net Worth Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 5.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
996
+0.3% YoY+0.9% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$2.3M
+0.4% YoY-0.4% QoQ
|
$-27.9M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.4% in tier |
| Loans |
$1.6M
+4.4% YoY-5.2% QoQ
|
$-13.7M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$1.7M
-4.3% YoY-1.9% QoQ
|
$-24.1M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.6% in tier |
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| ROA |
4.0%
-0.0% YoY+8.5% QoQ
|
+3.8% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 1.0% in tier |
| NIM |
3.3%
+2.6% YoY-0.7% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
27% |
| Efficiency Ratio |
34.8%
-6.3% YoY-8.2% QoQ
|
-55.8% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Top 1.4% in tier |
| Delinquency Rate |
1.4%
+33.0% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
93.7%
+9.1% YoY-3.4% QoQ
|
+35.2% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 5.9% in tier |
| AMR |
$3,339
-0.6% YoY-4.4% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.0% in tier |
| CD Concentration |
2.4%
+38.8% YoY-1.3% QoQ
|
-21.9% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)