BlastPoint's Credit Union Scorecard
RAIZ
Charter #1409 · TX
RAIZ has 1 strength but faces 10 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.40% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 12.8% in tier
- - Liquidity Strain: Bottom 37.0% in tier
- - Efficiency Drag: Bottom 64.0% in tier
- - Shrinking Wallet Share: Bottom 75.6% in tier
- - ROA 1.26% below tier average
- - Efficiency ratio 14.16% above tier (higher cost structure)
- - Total Deposits: Bottom 2.3% in tier
- - Indirect Auto Concentration (%): Bottom 4.3% in tier
- - Net Charge-Off Rate: Bottom 5.0% in tier
- - Total Assets: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
78,235
+4.4% YoY+1.0% QoQ
|
-19.2K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$1.1B
+8.3% YoY+6.2% QoQ
|
$-642.9M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.6% in tier |
| Loans |
$847.0M
+5.5% YoY-0.1% QoQ
|
$-387.4M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$854.3M
+0.6% YoY-1.9% QoQ
|
$-605.1M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.0% in tier |
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| ROA |
-0.6%
-260.4% YoY-11.9% QoQ
|
-1.3% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.7% in tier |
| NIM |
3.7%
-2.4% YoY+0.4% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
88.2%
+13.4% YoY+0.7% QoQ
|
+14.2% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 4.3% in tier |
| Delinquency Rate |
0.9%
-28.0% YoY+33.5% QoQ
|
-0.0 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
99.1%
+4.9% YoY+1.9% QoQ
|
+14.4% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 14.2% in tier |
| AMR |
$21,745
-1.3% YoY-2.0% QoQ
|
$-8K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.3% in tier |
| CD Concentration |
29.2%
+19.3% YoY+3.3% QoQ
|
+0.1% | 29.0% | 21.2% | 19.8% | 53% |
| Indirect Auto % |
50.5%
-1.7% YoY+2.6% QoQ
|
+32.2% | 18.3% | 7.1% | 7.8% | Top 4.0% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)