BlastPoint's Credit Union Scorecard
BROWNFIELD
Charter #13873 · TX
BROWNFIELD has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.03% above tier average
- + Net Worth Ratio: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 28.79% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 7.8% in tier
- - AMR Growth Rate: Bottom 8.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -3.5% year over year ($7.5M in shares and deposits).
- Membership: 2,750 members, +0.0% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 1.00%.
- Efficiency ratio 117.55% vs a 88.77% peer average.
- Loan-to-share ratio 70.20% vs a 58.89% 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 |
2,750
0% YoY0% QoQ
|
+164 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$11.4M
-3.3% YoY-0.1% QoQ
|
$-18.8M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
34% |
| Loans |
$5.2M
-15.4% YoY-3.9% QoQ
|
$-10.2M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$7.5M
-3.5% YoY+0.3% QoQ
|
$-18.3M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
1.0%
-283.5% YoY-216.9% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
4.9%
-5.5% YoY+1.8% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 13.0% in tier |
| Efficiency Ratio |
117.6%
+11.3% YoY-1.6% QoQ
|
+28.8% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.7% in tier |
| Delinquency Rate |
0.6%
+734.5% YoY
|
-1.0 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
70.2%
-12.3% YoY-4.2% QoQ
|
+11.3% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$4,627
-8.8% YoY-1.5% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.7% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)