BlastPoint's Credit Union Scorecard

BCM

Charter #12892 · TX

<100M

2508 CUs in <100M nationally 237 in TX

BCM has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.91% above tier average
+ Net Interest Margin 0.11% above tier average

Key Concerns

Areas that may need attention

- Member decline: -2.4% YoY
- Net Charge-Off Rate: Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	4,723 -2.4% YoY+0.1% QoQ	+2.0K	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	85%
Assets	$42.3M -0.2% YoY+0.8% QoQ	+$12.1M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	71%
Loans	$22.4M +3.1% YoY+2.8% QoQ	+$7.1M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	74%
Deposits	$37.0M -1.3% YoY+0.7% QoQ	+$11.2M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	72%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% -23.4% YoY-4.6% QoQ	+0.9%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	71%
NIM	4.1% -1.9% YoY-0.1% QoQ	+0.1%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	63%
Efficiency Ratio	77.7% +8.0% YoY+3.3% QoQ	-13.0%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	40%
Delinquency Rate	0.7% -48.4% YoY-32.3% QoQ	-0.8	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	51%
Loan To Share	60.6% +4.4% YoY+2.1% QoQ	+2.1%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	53%
AMR	$12,573 +2.8% YoY+1.4% QoQ	$-2K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	42%
CD Concentration	15.3% +0.5% YoY+0.2% QoQ	-8.9%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

312

Members Per Employee (MPE)

engagement

Value: 524.778

Peer Median: 333.750

#312 of 2508 Top 12.4% in <100M tier

384

Total Members

engagement

Value: 4,723

Peer Median: 1,918

#384 of 2508 Top 15.3% in <100M tier

Top Weaknesses (2 metrics)

2316

Net Charge-Off Rate

risk

Value: 1.71%

Peer Median: 0.07%

#2316 of 2508 Bottom 7.7% in <100M tier

2086

First Mortgage Concentration (%)

balance_sheet

Value: 34.73%

Peer Median: 3.66%

#2086 of 2508 Bottom 16.9% in <100M tier