BlastPoint's Credit Union Scorecard
BROWNFIELD
Charter #13873 · TX
2596 CUs in <100M nationally
245 in TX
BROWNFIELD has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.31% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.24% below tier average
- - Efficiency ratio 23.68% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,750
0% YoY0% QoQ
|
+124 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
63% |
| Assets |
$11.7M
+0.5% YoY-1.0% QoQ
|
$-18.2M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
36% |
| Loans |
$6.0M
-13.0% YoY-4.1% QoQ
|
$-9.8M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$7.6M
+1.3% YoY-1.3% QoQ
|
$-17.8M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
31% |
| ROA |
-0.6%
-167.2% YoY+3.3% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.3% in tier |
| NIM |
5.2%
-0.6% YoY+0.7% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 10.1% in tier |
| Efficiency Ratio |
105.1%
+22.8% YoY-0.5% QoQ
|
+23.7% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 8.3% in tier |
| Delinquency Rate |
0.1%
-43.3% YoY-16.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
77.8%
-14.1% YoY-2.8% QoQ
|
+16.6% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$4,946
-5.5% YoY-2.5% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.3% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
97
Net Worth Ratio
risk
Value:
34.48%
Peer Avg: 16.43%
#97 of 2596
Top 3.7% in <100M tier
262
Net Interest Margin (NIM)
profitability
Value:
5.25%
Peer Avg: 3.93%
#262 of 2596
Top 10.1% in <100M tier
275
Members Per Employee (MPE)
engagement
Value:
550.000
Peer Avg: 365.701
#275 of 2596
Top 10.6% in <100M tier
458
Total Delinquency Rate (60+ days)
risk
Value:
0.06%
Peer Avg: 1.51%
#458 of 2596
Top 17.6% in <100M tier
Top Weaknesses (8 metrics)
2381
Efficiency Ratio
profitability
Value:
105.07%
Peer Avg: 81.39%
#2381 of 2596
Bottom 8.3% in <100M tier
2380
Return on Assets (ROA)
profitability
Value:
-0.56%
Peer Avg: 0.68%
#2380 of 2596
Bottom 8.4% in <100M tier
2355
Average Member Relationship (AMR)
engagement
Value:
$4,946
Peer Avg: $14,627
#2355 of 2596
Bottom 9.3% in <100M tier
2220
Loan Growth Rate
growth
Value:
-12.98%
Peer Avg: 59.01%
#2220 of 2596
Bottom 14.5% in <100M tier
2214
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,164
Peer Avg: $5,488
#2214 of 2596
Bottom 14.8% in <100M tier
2178
AMR Growth Rate
growth
Value:
-5.49%
Peer Avg: 4.67%
#2178 of 2596
Bottom 16.1% in <100M tier
2145
Fee Income Per Member
profitability
Value:
$8.10
Peer Avg: $182.96
#2145 of 2596
Bottom 17.4% in <100M tier
2019
Net Charge-Off Rate
risk
Value:
0.69%
Peer Avg: 0.57%
#2019 of 2596
Bottom 22.3% in <100M tier