BlastPoint's Credit Union Scorecard
FAITH COOPERATIVE
Charter #12859 · TX
FAITH COOPERATIVE has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.04% above tier average
- + Efficiency Ratio: Top 1.3% in tier
- + Loan-to-Share Ratio: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 5.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
987
-0.5% YoY+0.2% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$2.3M
+1.0% YoY-2.2% QoQ
|
$-27.8M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.6% in tier |
| Loans |
$1.7M
+4.9% YoY-5.9% QoQ
|
$-14.1M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$1.7M
-3.4% YoY-3.7% QoQ
|
$-23.9M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.6% in tier |
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| ROA |
3.7%
+20.8% YoY-8.0% QoQ
|
+3.0% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 0.9% in tier |
| NIM |
3.3%
-3.5% YoY-1.5% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
38.0%
-1.4% YoY+3.6% QoQ
|
-44.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 1.3% in tier |
| Delinquency Rate | 1.0% | -0.5 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
97.0%
+8.6% YoY-2.3% QoQ
|
+36.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 5.6% in tier |
| AMR |
$3,493
+1.0% YoY-5.0% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.2% in tier |
| CD Concentration |
2.4%
+39.3% YoY+4.4% QoQ
|
-22.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)