BlastPoint's Credit Union Scorecard
RAIZ
Charter #1409 · TX
RAIZ has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 28.5% in tier
- + ROA 0.23% above tier average
- + Net Interest Margin 0.49% above tier average
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 12.3% in tier
- - Liquidity Strain: Bottom 12.3% in tier
- - Credit Quality Pressure: Bottom 51.3% in tier
- - Indirect Auto Dependency: Bottom 53.5% in tier
- - Credit Risk Growth: Bottom 71.5% in tier
- - Shrinking Wallet Share: Bottom 94.9% in tier
- - Deposit Outflow: Bottom 98.9% in tier
- - Efficiency ratio 0.99% above tier (higher cost structure)
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits -5.2% year over year ($850M in shares and deposits).
- Membership: 78,753 members, +3.2% vs a year ago.
- Delinquency rate 0.95%.
- Return on assets 1.05%.
- Efficiency ratio 74.01% vs a 73.02% peer average.
- Loan-to-share ratio 100.97% vs a 84.71% 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 |
78,753
+3.2% YoY-0.7% QoQ
|
-18.1K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
40% |
| Assets |
$1.1B
+5.0% YoY+0.3% QoQ
|
$-629.9M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.7% in tier |
| Loans |
$858.7M
+2.3% YoY+1.7% QoQ
|
$-375.5M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$850.4M
-5.2% YoY-0.8% QoQ
|
$-612.9M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.7% in tier |
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| ROA |
1.1%
-162.6% YoY+4.4% QoQ
|
+0.2% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
3.9%
+26.9% YoY+3.4% QoQ
|
+0.5% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
74.0%
-28.8% YoY-4.6% QoQ
|
+1.0% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
0.9%
+3.7% YoY+9.9% QoQ
|
+0.1 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
69% |
| Loan To Share |
101.0%
+7.9% YoY+2.5% QoQ
|
+16.3% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 10.7% in tier |
| AMR |
$21,702
-4.6% YoY+1.1% QoQ
|
$-8K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.3% in tier |
| CD Concentration |
30.4%
+8.4% YoY+1.9% QoQ
|
+1.3% | 29.1% | 21.6% | 20.0% | 58% |
| Indirect Auto % |
46.9%
-5.8% YoY-2.1% QoQ
|
+28.8% | 18.1% | 6.9% | 7.7% | Bottom 6.1% in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (7)
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)