BlastPoint's Credit Union Scorecard
UNIVERSITY
Charter #1367 · TX
UNIVERSITY has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 8.7% in tier
- + Organic Growth Engine: Top 10.2% in tier
- + Net Interest Margin 0.62% above tier average
- + Strong member growth: 5.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 3.9% in tier
- + Share Certificate Concentration (%): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.7% in tier
- - Shrinking Wallet Share: Bottom 9.9% in tier
- - Liquidity Strain: Bottom 34.0% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 3.91% above tier (higher cost structure)
- - Delinquency rate 0.24% above tier average
- - Average Member Relationship (AMR): Bottom 2.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
414,629
+5.9% YoY+1.6% QoQ
|
+176.2K |
238,465
+0.6% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 5.3% in tier |
| Assets |
$4.2B
+2.3% YoY+0.6% QoQ
|
+$223.5M |
$4.0B
-0.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
59% |
| Loans |
$3.1B
-0.5% YoY+0.7% QoQ
|
+$37.8M |
$3.0B
+3.3% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$3.4B
+3.3% YoY+0.8% QoQ
|
+$29.6M |
$3.3B
+1.1% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
54% |
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| ROA |
0.5%
-12.5% YoY+8.6% QoQ
|
-0.2% |
0.7%
+5.3% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
3.8%
+9.3% YoY+1.2% QoQ
|
+0.6% |
3.2%
+13.7% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
83% |
| Efficiency Ratio |
75.2%
-1.4% YoY-0.7% QoQ
|
+3.9% |
71.3%
-0.6% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
1.1%
+33.9% YoY+15.5% QoQ
|
+0.2 |
0.8%
+15.9% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
75% |
| Loan To Share |
90.9%
-3.7% YoY-0.1% QoQ
|
+0.1% |
90.8%
+2.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$15,482
-4.3% YoY-0.9% QoQ
|
$-14K |
$29,088
+0.1% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.3% in tier |
| CD Concentration |
17.7%
+17.2% YoY+2.1% QoQ
|
-11.3% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
Bottom 9.5% in tier |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)