BlastPoint's Credit Union Scorecard
B. P. S.
Charter #13062 · TX
B. P. S. has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 0.3% in tier
- + Loan-to-Share Ratio: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.69% below tier average
- - Fee Income Per Member: Bottom 6.6% in tier
- - AMR Growth Rate: Bottom 6.9% in tier
- - Total Deposits: Bottom 7.2% in tier
- - Total Members: Bottom 8.8% 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 -8.3% year over year ($1.1M in shares and deposits).
- Membership: 331 members, +0.9% vs a year ago.
- Delinquency rate 0.72%.
- Return on assets 0.80%.
- Efficiency ratio 74.90% vs a 88.77% peer average.
- Loan-to-share ratio 96.78% 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 |
331
+0.9% YoY-1.2% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Bottom 8.7% in tier |
| Assets |
$2.9M
-2.7% YoY+0.1% QoQ
|
$-27.4M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 12.1% in tier |
| Loans |
$1.1M
-11.3% YoY-0.8% QoQ
|
$-14.4M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.9% in tier |
| Deposits |
$1.1M
-8.3% YoY-0.1% QoQ
|
$-24.7M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-27.9% YoY-2.1% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
3.2%
-9.3% YoY+0.0% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
23% |
| Efficiency Ratio |
74.9%
+9.4% YoY+0.7% QoQ
|
-13.9% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
0.7%
+1237.5% YoY+85.0% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
96.8%
-3.2% YoY-0.7% QoQ
|
+37.9% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 4.7% in tier |
| AMR |
$6,509
-10.6% YoY+0.8% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.0% in tier |
| CD Concentration | 0.0% | -24.6% | 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)