BlastPoint's Credit Union Scorecard

UNIVERSITY

Charter #1367 · TX

Mid-Market 3B-5B

UFCU at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

UFCU is one of 101 credit unions in the 2026 VentureTech card set. We also found UFCU's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

UFCU

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77 CUs in 3B-5B nationally 6 in TX

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UNIVERSITY has 6 strengths but faces 7 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 Leader: Top 19.4% in tier
+ Net Interest Margin 0.96% above tier average
+ Strong member growth: 5.3% YoY
+ Total Members: Top 1.3% in tier
+ Share Certificate Concentration (%): Top 5.2% in tier
+ Members Per Employee (MPE): Top 9.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 23.1% in tier
- Shrinking Wallet Share: Bottom 94.6% in tier
- ROA 0.17% below tier average
- Efficiency ratio 2.39% above tier (higher cost structure)
- Delinquency rate 0.27% above tier average
- Average Member Relationship (AMR): Bottom 1.3% in tier
- Loan-to-Member Ratio (LMR): Bottom 1.3% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	429,865 +5.3% YoY+1.7% QoQ	+213.3K	216,545 -9.5% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	Top 2.6% in tier
Assets	$4.3B +2.4% YoY-0.1% QoQ	+$367.2M	$3.9B -1.6% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	66%
Loans	$3.0B -2.2% YoY-0.2% QoQ	+$37.1M	$2.9B -1.2% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	51%
Deposits	$3.5B +3.8% YoY-0.4% QoQ	+$205.5M	$3.3B -2.6% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	60%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% +54.3% YoY-2.0% QoQ	-0.2%	0.9% +25.3% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	36%
NIM	4.2% +11.0% YoY+3.1% QoQ	+1.0%	3.2% +3.8% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	Top 7.8% in tier
Efficiency Ratio	71.8% -5.1% YoY+0.5% QoQ	+2.4%	69.5% -2.3% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	62%
Delinquency Rate	1.1% +17.4% YoY+8.5% QoQ	+0.3	0.8% +5.5% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	79%
Loan To Share	85.7% -5.8% YoY+0.2% QoQ	-4.5%	90.2% +0.9% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	23%
AMR	$14,961 -4.2% YoY-2.0% QoQ	$-16K	$31,018 +6.9% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	Bottom 0.1% in tier
CD Concentration	17.7% +2.2% YoY+1.2% QoQ	-11.4%	29.1%	21.6%	20.0%	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 Leader

growth

#26 of 112 • Top 19.4% in tier

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

Why This Signature

Member Growth (YoY): 5.34%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Organic Growth Engine

growth

#27 of 113 • Top 19.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.34%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.77%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Concerns (2)

Shrinking Wallet Share

decline

#21 of 69 • Bottom 94.6% in tier

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

Why This Signature

AMR Growth (YoY): -4.19%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#86 of 215 • Bottom 23.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 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)

Compare against:

Comparing against 77 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 18.00%

#1 of 77 Top 0.1% in 3B-5B tier

Total Members

engagement

Value: 429,865

Peer Median: 211,695

#2 of 77 Top 1.3% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 17.72%

Peer Median: 32.00%

#5 of 77 Top 5.2% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 4.19%

Peer Median: 3.28%

#6 of 77 Top 6.5% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 573.919

Peer Median: 390.144

#8 of 77 Top 9.1% in 3B-5B tier

Top Weaknesses (9 metrics)

Average Member Relationship (AMR)

engagement

Value: $14,961

Peer Median: $28,880

#77 of 77 Bottom 1.3% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $6,905

Peer Median: $13,282

#77 of 77 Bottom 1.3% in 3B-5B tier

Loan Growth Rate

growth

Value: -2.23%

Peer Median: 6.20%

#70 of 77 Bottom 10.4% in 3B-5B tier

AMR Growth Rate

growth

Value: -4.19%

Peer Median: 3.17%

#70 of 77 Bottom 10.4% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 1.17%

Peer Median: 0.47%

#67 of 77 Bottom 14.3% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.11%

Peer Median: 0.63%

#62 of 77 Bottom 20.8% in 3B-5B tier

Asset Growth Rate

growth

Value: 2.44%

Peer Median: 5.91%

#60 of 77 Bottom 23.4% in 3B-5B tier

Net Worth Ratio

risk

Value: 9.65%

Peer Median: 10.81%

#59 of 77 Bottom 24.7% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 85.72%

Peer Median: 93.34%

#59 of 77 Bottom 24.7% in 3B-5B tier