BlastPoint's Credit Union Scorecard
B. P. S.
Charter #13062 · TX
<100M
2508 CUs in <100M nationally
237 in TX
B. P. S. has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Net Worth Ratio: Top 0.4% in tier
- + Loan-to-Share Ratio: Top 3.9% in tier
- + Member Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 5.9% in tier
- - Total Deposits: Bottom 7.3% in tier
- - Deposit Growth Rate: Bottom 8.5% in tier
- - Fee Income Per Member: Bottom 8.5% in tier
- - Total Members: Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
335
+4.0% YoY-1.8% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 8.7% in tier |
| Assets |
$2.9M
-2.8% YoY-0.4% QoQ
|
$-27.3M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.4% in tier |
| Loans |
$1.1M
-6.5% YoY-7.1% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.9% in tier |
| Deposits |
$1.1M
-8.6% YoY-1.5% QoQ
|
$-24.7M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.3% in tier |
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| ROA |
0.8%
-39.5% YoY-15.9% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
61% |
| NIM |
3.2%
-12.1% YoY-6.2% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
74.4%
+18.6% YoY+4.1% QoQ
|
-16.3% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate |
0.4%
+383.9% YoY-26.1% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
39% |
| Loan To Share |
97.5%
+2.3% YoY-5.7% QoQ
|
+39.0% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 4.1% in tier |
| AMR |
$6,458
-11.2% YoY-2.6% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 13.2% in tier |
| CD Concentration | 0.0% | -24.3% | 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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
11
Net Worth Ratio
risk
Value:
61.72%
Peer Median: 14.28%
#11 of 2508
Top 0.4% in <100M tier
100
Loan-to-Share Ratio
balance_sheet
Value:
97.49%
Peer Median: 58.72%
#100 of 2508
Top 3.9% in <100M tier
215
Member Growth Rate
growth
Value:
4.04%
Peer Median: -1.37%
#215 of 2508
Top 8.5% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (11 metrics)
2360
AMR Growth Rate
growth
Value:
-11.16%
Peer Median: 1.27%
#2360 of 2508
Bottom 5.9% in <100M tier
2325
Total Deposits
balance_sheet
Value:
$1.10M
Peer Median: $18.77M
#2325 of 2508
Bottom 7.3% in <100M tier
2297
Deposit Growth Rate
growth
Value:
-8.62%
Peer Median: 0.66%
#2297 of 2508
Bottom 8.5% in <100M tier
2295
Fee Income Per Member
profitability
Value:
$1.24
Peer Median: $60.42
#2295 of 2508
Bottom 8.5% in <100M tier
2288
Total Members
engagement
Value:
335
Peer Median: 1,918
#2288 of 2508
Bottom 8.8% in <100M tier
2223
Members Per Employee (MPE)
engagement
Value:
167.500
Peer Median: 333.750
#2223 of 2508
Bottom 11.4% in <100M tier
2209
Total Loans
balance_sheet
Value:
$1.07M
Peer Median: $9.48M
#2209 of 2508
Bottom 12.0% in <100M tier
2198
Total Assets
balance_sheet
Value:
$2.87M
Peer Median: $21.86M
#2198 of 2508
Bottom 12.4% in <100M tier
2178
Average Member Relationship (AMR)
engagement
Value:
$6,458
Peer Median: $13,926
#2178 of 2508
Bottom 13.2% in <100M tier
1920
Asset Growth Rate
growth
Value:
-2.83%
Peer Median: 1.30%
#1920 of 2508
Bottom 23.5% in <100M tier