BlastPoint's Credit Union Scorecard

RAIZ

Charter #1409 · TX

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 28 in TX

View Mid-Market leaderboard →

RAIZ has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 23.2% in tier
+ ROA 0.29% above tier average
+ Net Interest Margin 0.43% above tier average

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 15.1% in tier
- Liquidity Strain: Bottom 15.1% in tier
- Credit Quality Pressure: Bottom 31.1% in tier
- Credit Risk Growth: Bottom 49.7% in tier
- Indirect Auto Dependency: Bottom 59.7% in tier
- Shrinking Wallet Share: Bottom 92.9% in tier
- Deposit Outflow: Bottom 97.9% in tier
- Efficiency ratio 2.93% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	79,277 +4.1% YoY+1.3% QoQ	-16.8K	96,048 -2.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	41%
Assets	$1.1B +4.2% YoY+1.0% QoQ	$-628.9M	$1.7B +0.4% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Bottom 8.8% in tier
Loans	$844.5M +5.8% YoY-0.3% QoQ	$-369.2M	$1.2B +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	21%
Deposits	$857.1M -5.0% YoY+0.3% QoQ	$-608.4M	$1.5B +0.5% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Bottom 2.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% -182.0% YoY-275.9% QoQ	+0.3%	0.7% +27.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	78%
NIM	3.8% +5.5% YoY+3.1% QoQ	+0.4%	3.4% +6.2% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	79%
Efficiency Ratio	77.6% -22.5% YoY-12.1% QoQ	+2.9%	74.6% -3.0% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	0.9% +14.3% YoY-1.6% QoQ	+0.1	0.8% +6.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	73%
Loan To Share	98.5% +11.3% YoY-0.6% QoQ	+15.3%	83.2% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Top 13.4% in tier
AMR	$21,464 -3.9% YoY-1.3% QoQ	$-8K	$29,652 +2.3% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Bottom 10.8% in tier
CD Concentration	29.8% +9.3% YoY+2.3% QoQ	+1.0%	28.8%	21.3%	19.8%	56%
Indirect Auto %	47.9% -21.4% YoY-5.3% QoQ	+29.8%	18.1%	6.9%	7.7%	Bottom 6.0% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth

#28 of 79 • Top 23.2% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.01%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 4.09%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (7)

Capital Constraint

risk

#3 of 8 • Bottom 15.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 98.53%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -4.97%

(Tier: 6.69%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 9.97%

(Tier: 11.28%, National: 14.35%)

worse than tier avg

8 of 384 Mid-Market CUs have this signature | 25 nationally

→ No prior data (8 CUs now) | New qualifier

Shrinking Wallet Share

decline

#28 of 82 • Bottom 92.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.85%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#71 of 198 • Bottom 59.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.15%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 47.86%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.09%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Liquidity Strain

risk

#66 of 148 • Bottom 15.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 98.53%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 5.78%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | New qualifier

Deposit Outflow

decline

#12 of 23 • Bottom 97.9% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -4.97%

(Tier: 6.69%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 4.09%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

23 of 384 Mid-Market CUs have this signature | 98 nationally

→ No prior data (23 CUs now) | New qualifier

Credit Quality Pressure

risk

#118 of 225 • Bottom 31.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#110 of 183 • Bottom 49.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.78%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (5 metrics)

Fee Income Per Member

profitability

Value: $295.93

Peer Median: $191.54

#33 of 306 Top 10.5% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 98.53%

Peer Median: 85.31%

#41 of 306 Top 13.1% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.79%

Peer Median: 3.37%

#65 of 306 Top 20.9% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.01%

Peer Median: 0.66%

#66 of 306 Top 21.2% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 23.20%

Peer Median: 33.05%

#74 of 306 Top 23.9% in 1B-3B tier

Top Weaknesses (9 metrics)

300

Total Deposits

balance_sheet

Value: $857.10M

Peer Median: $1.31B

#300 of 306 Bottom 2.3% in 1B-3B tier

298

Deposit Growth Rate

growth

Value: -4.97%

Peer Median: 4.44%

#298 of 306 Bottom 2.9% in 1B-3B tier

289

Indirect Auto Concentration (%)

balance_sheet

Value: 47.86%

Peer Median: 13.86%

#289 of 306 Bottom 5.9% in 1B-3B tier

284

AMR Growth Rate

growth

Value: -3.85%

Peer Median: 3.15%

#284 of 306 Bottom 7.5% in 1B-3B tier

279

Total Assets

balance_sheet

Value: $1.09B

Peer Median: $1.51B

#279 of 306 Bottom 9.2% in 1B-3B tier

273

Average Member Relationship (AMR)

engagement

Value: $21,464

Peer Median: $28,178

#273 of 306 Bottom 11.1% in 1B-3B tier

264

Net Charge-Off Rate

risk

Value: 1.00%

Peer Median: 0.51%

#264 of 306 Bottom 14.1% in 1B-3B tier

243

Total Loans

balance_sheet

Value: $844.52M

Peer Median: $1.11B

#243 of 306 Bottom 20.9% in 1B-3B tier

235

Loan-to-Member Ratio (LMR)

engagement

Value: $10,653

Peer Median: $12,733

#235 of 306 Bottom 23.5% in 1B-3B tier