BlastPoint's Credit Union Scorecard
B. P. S.
Charter #13062 · TX
2556 CUs in <100M nationally
243 in TX
B. P. S. has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.35% above tier average
- + Strong member growth: 5.6% YoY
- + 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 0.4% in tier
- + Loan-to-Share Ratio: Top 3.0% in tier
- + Member Growth Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 1.6% in tier
- - AMR Growth Rate: Bottom 2.1% in tier
- - Asset Growth Rate: Bottom 7.2% in tier
- - Fee Income Per Member: Bottom 7.2% in tier
- - Total Deposits: Bottom 7.6% in tier
- - Total Members: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
341
+5.6% YoY+1.2% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 9.0% in tier |
| Assets |
$2.9M
-8.1% YoY-3.0% QoQ
|
$-27.3M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.3% in tier |
| Loans |
$1.1M
-6.9% YoY-2.7% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.2% in tier |
| Deposits |
$1.1M
-20.1% YoY-7.6% QoQ
|
$-24.6M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.6% in tier |
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| ROA |
1.0%
-22.6% YoY-12.0% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
3.4%
+2.2% YoY-1.1% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
71.4%
+14.6% YoY+5.2% QoQ
|
-11.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.5%
+454.3% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
103.4%
+16.6% YoY+5.3% QoQ
|
+42.8% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 3.1% in tier |
| AMR |
$6,631
-18.4% YoY-6.3% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
12
Net Worth Ratio
risk
Value:
61.30%
Peer Median: -
#12 of 2556
Top 0.4% in <100M tier
78
Loan-to-Share Ratio
balance_sheet
Value:
103.39%
Peer Median: -
#78 of 2556
Top 3.0% in <100M tier
140
Member Growth Rate
growth
Value:
5.57%
Peer Median: -
#140 of 2556
Top 5.4% in <100M tier
Top Weaknesses (10 metrics)
2515
Deposit Growth Rate
growth
Value:
-20.15%
Peer Median: -
#2515 of 2556
Bottom 1.6% in <100M tier
2504
AMR Growth Rate
growth
Value:
-18.44%
Peer Median: -
#2504 of 2556
Bottom 2.1% in <100M tier
2373
Asset Growth Rate
growth
Value:
-8.12%
Peer Median: -
#2373 of 2556
Bottom 7.2% in <100M tier
2372
Fee Income Per Member
profitability
Value:
$1.17
Peer Median: -
#2372 of 2556
Bottom 7.2% in <100M tier
2363
Total Deposits
balance_sheet
Value:
$1.11M
Peer Median: -
#2363 of 2556
Bottom 7.6% in <100M tier
2326
Total Members
engagement
Value:
341
Peer Median: -
#2326 of 2556
Bottom 9.0% in <100M tier
2259
Members Per Employee (MPE)
engagement
Value:
170.500
Peer Median: -
#2259 of 2556
Bottom 11.7% in <100M tier
2245
Total Loans
balance_sheet
Value:
$1.15M
Peer Median: -
#2245 of 2556
Bottom 12.2% in <100M tier
2241
Total Assets
balance_sheet
Value:
$2.89M
Peer Median: -
#2241 of 2556
Bottom 12.4% in <100M tier
2210
Average Member Relationship (AMR)
engagement
Value:
$6,631
Peer Median: -
#2210 of 2556
Bottom 13.6% in <100M tier