BlastPoint's Credit Union Scorecard
BROWNFIELD
Charter #13873 · TX
BROWNFIELD has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.37% 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 3.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.37% below tier average
- - Efficiency ratio 24.61% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 8.1% in tier
- - Average Member Relationship (AMR): Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,750
0% YoY0% QoQ
|
+134 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$11.2M
-2.7% YoY-4.6% QoQ
|
$-19.0M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$5.8M
-14.7% YoY-2.9% QoQ
|
$-10.0M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$7.2M
-3.0% YoY-6.5% QoQ
|
$-18.5M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
-0.7%
-199.7% YoY+33.1% QoQ
|
-1.4% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.1% in tier |
| NIM |
5.3%
-3.1% YoY+1.5% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 8.9% in tier |
| Efficiency Ratio |
107.2%
+22.8% YoY+2.0% QoQ
|
+24.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 7.3% in tier |
| Delinquency Rate |
0.1%
-88.7% YoY+52.2% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
80.8%
-12.1% YoY+3.8% QoQ
|
+20.2% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$4,704
-8.6% YoY-4.9% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)