BlastPoint's Credit Union Scorecard

UNIVERSITY

Charter #1367 · TX

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 5 in TX
View Mid-Market leaderboard →

UNIVERSITY has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 22.6% in tier
  • + Organic Growth Leader: Top 22.6% in tier
  • + Net Interest Margin 0.86% above tier average
  • + Strong member growth: 5.1% YoY
  • + Total Members: Top 2.6% in tier
  • + Share Certificate Concentration (%): Top 6.4% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 18.9% in tier
  • - Shrinking Wallet Share: Bottom 93.2% in tier
  • - Efficiency ratio 0.24% above tier (higher cost structure)
  • - Delinquency rate 0.28% above tier average
  • - Average Member Relationship (AMR): Bottom 1.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 422,795
+5.1% YoY+1.2% QoQ
 +202.4K 220,435
-7.6% YoY
 29,039
+7.4% YoY
 33,913
+5.7% YoY
 Top 3.8% in tier
Assets $4.3B
+3.1% YoY+1.8% QoQ
 +$357.8M $3.9B
-1.5% YoY
 $450.8M
+10.3% YoY
 $578.3M
+9.0% YoY
 67%
Loans $3.0B
-1.7% YoY-1.7% QoQ
 +$81.1M $2.9B
-1.1% YoY
 $318.1M
+8.9% YoY
 $402.4M
+8.7% YoY
 53%
Deposits $3.5B
+3.2% YoY+3.1% QoQ
 +$179.7M $3.3B
-2.5% YoY
 $378.7M
+10.8% YoY
 $494.3M
+9.1% YoY
 56%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.8%
+60.6% YoY+67.7% QoQ
 +0.0% 0.7%
+10.6% YoY
 -0.2%
-134.7% YoY
 0.4%
-39.2% YoY
 53%
NIM 4.1%
+8.1% YoY+5.0% QoQ
 +0.9% 3.2%
+4.6% YoY
 3.9%
-0.7% YoY
 3.8%
+4.1% YoY
 Top 7.7% in tier
Efficiency Ratio 71.5%
-5.7% YoY-4.2% QoQ
 +0.2% 71.3%
-2.6% YoY
 98.7%
+20.4% YoY
 84.6%
+2.8% YoY
 51%
Delinquency Rate 1.0%
+22.8% YoY-14.1% QoQ
 +0.3 0.7%
+9.2% YoY
 1.2%
+13.1% YoY
 1.2%
+3.4% YoY
 77%
Loan To Share 85.5%
-4.8% YoY-4.7% QoQ
 -2.5% 88.0%
+0.9% YoY
 69.5%
-2.6% YoY
 65.6%
-1.4% YoY
 31%
AMR $15,260
-4.0% YoY-0.4% QoQ
 $-15K $30,672
+5.5% YoY
 $17,820
+2.9% YoY
 $19,920
+1.6% YoY
 Bottom 0.1% in tier
CD Concentration 17.5%
+7.6% YoY-1.2% QoQ
 -11.3% 28.8% 21.3% 19.8% Bottom 9.1% in tier
Indirect Auto % 0.0% -18.1% 18.1% 6.9% 7.7% Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#27 of 115 • Top 22.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.06%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Return on Assets: 0.78%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth
#37 of 116 • Top 22.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.06%
(Tier: 3.50%, National: 10.19%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk
#72 of 225 • Bottom 18.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.19% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#27 of 82 • Bottom 93.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -3.98%
(Tier: 3.34%, National: 6.36%)
worse than tier avg
82 of 384 Mid-Market CUs have this signature | 335 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

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)

Comparing against 78 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 18.10%
#1 of 78 Top 0.1% in 3B-5B tier
3
Total Members
engagement
Value: 422,795
Peer Median: 212,824
#3 of 78 Top 2.6% in 3B-5B tier
6
Net Interest Margin (NIM)
profitability
Value: 4.06%
Peer Median: 3.23%
#6 of 78 Top 6.4% in 3B-5B tier
6
Share Certificate Concentration (%)
balance_sheet
Value: 17.51%
Peer Median: 31.76%
#6 of 78 Top 6.4% in 3B-5B tier
9
Members Per Employee (MPE)
engagement
Value: 570.574
Peer Median: 393.414
#9 of 78 Top 10.3% in 3B-5B tier

Top Weaknesses (7 metrics)

78
Average Member Relationship (AMR)
engagement
Value: $15,260
Peer Median: $28,813
#78 of 78 Bottom 1.3% in 3B-5B tier
78
Loan-to-Member Ratio (LMR)
engagement
Value: $7,035
Peer Median: $13,137
#78 of 78 Bottom 1.3% in 3B-5B tier
70
Loan Growth Rate
growth
Value: -1.74%
Peer Median: 5.73%
#70 of 78 Bottom 11.5% in 3B-5B tier
70
AMR Growth Rate
growth
Value: -3.98%
Peer Median: 2.86%
#70 of 78 Bottom 11.5% in 3B-5B tier
69
Net Charge-Off Rate
risk
Value: 1.12%
Peer Median: 0.46%
#69 of 78 Bottom 12.8% in 3B-5B tier
61
Total Delinquency Rate (60+ days)
risk
Value: 1.02%
Peer Median: 0.54%
#61 of 78 Bottom 23.1% in 3B-5B tier
60
Net Worth Ratio
risk
Value: 9.52%
Peer Median: 10.59%
#60 of 78 Bottom 24.4% in 3B-5B tier
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