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 19.4% in tier
- + Organic Growth Engine: 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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 6 that size in Texas.
- Shares and deposits +3.8% year over year ($3.46B in shares and deposits).
- Membership: 429,865 members, +5.3% vs a year ago.
- Delinquency rate 1.11%.
- Return on assets 0.77%.
- Efficiency ratio 71.84% vs a 69.45% peer average.
- Loan-to-share ratio 85.72% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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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| 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
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)