BlastPoint's Credit Union Scorecard
HEREFORD TEXAS
Charter #1401 · TX
HEREFORD TEXAS has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Total Members: Top 3.3% in tier
- + Total Loans: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Efficiency ratio 0.10% above tier (higher cost structure)
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,214
-2.4% YoY+0.4% QoQ
|
+5.6K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 3.3% in tier |
| Assets |
$72.7M
+2.3% YoY-0.6% QoQ
|
+$42.8M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 10.9% in tier |
| Loans |
$42.1M
-11.0% YoY-0.4% QoQ
|
+$26.3M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 9.0% in tier |
| Deposits |
$55.3M
+1.3% YoY-1.7% QoQ
|
+$29.8M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 14.9% in tier |
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| ROA |
0.6%
-19.8% YoY+54.5% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
4.3%
+4.1% YoY+1.4% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
81.5%
+3.2% YoY-0.9% QoQ
|
+0.1% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.7%
-23.2% YoY+21.0% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
53% |
| Loan To Share |
76.1%
-12.2% YoY+1.3% QoQ
|
+14.9% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$11,853
-2.1% YoY-1.5% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
39% |
| CD Concentration |
27.9%
+20.7% YoY+8.9% QoQ
|
+3.5% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)