B. P. S.
Charter #13062 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
B. P. S. has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.5% in tier
- + Loan-to-Share Ratio: Top 5.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 3.1% in tier
- - Fee Income Per Member: Bottom 8.1% in tier
- - Total Deposits: Bottom 8.2% in tier
- - Total Members: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
337
+3.4% YoY+2.7% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 9.1% in tier |
| Assets |
$3.0M
-5.8% YoY+0.6% QoQ
|
$-26.9M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.9% in tier |
| Loans |
$1.2M
+9.0% YoY-1.1% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.6% in tier |
| Deposits |
$1.2M
-14.8% YoY+0.8% QoQ
|
$-24.3M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.1% in tier |
| ROA |
1.1%
-17.2% YoY-0.6% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
67th in tier |
| NIM |
3.4%
+4.5% YoY-2.3% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
32nd in tier |
| Efficiency Ratio |
67.9%
+14.1% YoY-0.8% QoQ
|
-13.5% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
27th in tier |
| Delinquency Rate |
0.1%
+76.6% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 20.6% in tier |
| Loan To Share |
98.1%
+27.9% YoY-1.9% QoQ
|
+36.9% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 5.2% in tier |
| AMR |
$7,074
-7.6% YoY-2.8% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 15.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
15
Net Worth Ratio
risk
Value:
59.34%
Peer Avg: 16.43%
#15 of 2596
Top 0.5% in <100M tier
132
Loan-to-Share Ratio
balance_sheet
Value:
98.14%
Peer Avg: 61.23%
#132 of 2596
Top 5.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
280
Member Growth Rate
growth
Value:
3.37%
Peer Avg: 14.92%
#280 of 2596
Top 10.7% in <100M tier
322
Loan Growth Rate
growth
Value:
8.97%
Peer Avg: 59.01%
#322 of 2596
Top 12.4% in <100M tier
535
Total Delinquency Rate (60+ days)
risk
Value:
0.10%
Peer Avg: 1.51%
#535 of 2596
Top 20.6% in <100M tier
Top Weaknesses (10 metrics)
2516
Deposit Growth Rate
growth
Value:
-14.82%
Peer Avg: 16.80%
#2516 of 2596
Bottom 3.1% in <100M tier
2387
Fee Income Per Member
profitability
Value:
$1.28
Peer Avg: $182.96
#2387 of 2596
Bottom 8.1% in <100M tier
2385
Total Deposits
balance_sheet
Value:
$1.20M
Peer Avg: $25.45M
#2385 of 2596
Bottom 8.2% in <100M tier
2361
Total Members
engagement
Value:
337
Peer Avg: 2,626
#2361 of 2596
Bottom 9.1% in <100M tier
2302
AMR Growth Rate
growth
Value:
-7.61%
Peer Avg: 4.67%
#2302 of 2596
Bottom 11.4% in <100M tier
2299
Members Per Employee (MPE)
engagement
Value:
168.500
Peer Avg: 365.701
#2299 of 2596
Bottom 11.5% in <100M tier
2286
Asset Growth Rate
growth
Value:
-5.81%
Peer Avg: 1.82%
#2286 of 2596
Bottom 12.0% in <100M tier
2268
Total Loans
balance_sheet
Value:
$1.18M
Peer Avg: $15.77M
#2268 of 2596
Bottom 12.7% in <100M tier
2262
Total Assets
balance_sheet
Value:
$2.97M
Peer Avg: $29.86M
#2262 of 2596
Bottom 12.9% in <100M tier
2201
Average Member Relationship (AMR)
engagement
Value:
$7,074
Peer Avg: $14,627
#2201 of 2596
Bottom 15.3% in <100M tier