BlastPoint's Credit Union Scorecard
UNIVERSITY
Charter #1367 · TX
UNIVERSITY has 7 strengths but faces 7 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 29.8% in tier
- + Organic Growth Engine: Top 38.6% in tier
- + Net Interest Margin 0.73% above tier average
- + Strong member growth: 5.5% 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 27.6% in tier
- - Shrinking Wallet Share: Bottom 37.2% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 3.21% above tier (higher cost structure)
- - Delinquency rate 0.31% 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-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
417,920
+5.5% YoY+0.8% QoQ
|
+187.6K |
230,353
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 5.3% in tier |
| Assets |
$4.2B
+5.8% YoY+0.1% QoQ
|
+$257.7M |
$3.9B
+0.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$3.0B
-1.1% YoY-1.0% QoQ
|
+$91.3M |
$2.9B
-0.2% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$3.4B
+3.9% YoY+0.3% QoQ
|
+$62.8M |
$3.3B
-0.3% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
0.5%
-29.5% YoY-13.6% QoQ
|
-0.2% |
0.7%
+16.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
24% |
| NIM |
3.9%
+6.9% YoY+1.3% QoQ
|
+0.7% |
3.1%
+9.8% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 11.8% in tier |
| Efficiency Ratio |
74.6%
-1.4% YoY-0.7% QoQ
|
+3.2% |
71.4%
-1.4% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.2%
+28.7% YoY+9.0% QoQ
|
+0.3 |
0.9%
+5.8% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
89.7%
-4.7% YoY-1.3% QoQ
|
+0.8% |
88.9%
-0.2% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$15,314
-3.8% YoY-1.1% QoQ
|
$-14K |
$29,682
+1.5% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.3% in tier |
| CD Concentration |
17.7%
+13.0% YoY+0.1% QoQ
|
-11.3% | 29.0% | 21.2% | 19.8% | Bottom 9.6% in tier |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 7.1% | 7.8% | 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 (2)
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.
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)