BlastPoint's Credit Union Scorecard
PORT TERMINAL
Charter #14512 · TX
2596 CUs in <100M nationally
245 in TX
PORT TERMINAL has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 1.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.3% in tier
- + Net Worth Ratio: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.04% above tier (higher cost structure)
- - Delinquency rate 2.44% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
634
+0.2% YoY-0.9% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$7.6M
-0.3% YoY-2.4% QoQ
|
$-22.3M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$5.1M
+3.7% YoY+8.0% QoQ
|
$-10.7M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
34% |
| Deposits |
$4.5M
-1.7% YoY-0.1% QoQ
|
$-21.0M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
21% |
| ROA |
0.9%
-10.7% YoY+2.2% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
55% |
| NIM |
4.9%
-2.2% YoY+0.8% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
84% |
| Efficiency Ratio |
84.4%
+2.5% YoY-0.0% QoQ
|
+3.0% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
65% |
| Delinquency Rate |
4.0%
+603.0% YoY+99.2% QoQ
|
+2.4 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 8.4% in tier |
| Loan To Share |
114.3%
+5.5% YoY+8.1% QoQ
|
+53.0% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 1.5% in tier |
| AMR |
$15,059
+1.0% YoY+5.1% QoQ
|
+$432 |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
58% |
| CD Concentration |
0.7%
-63.9% YoY-89.4% QoQ
|
-23.7% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
34
Loan-to-Share Ratio
balance_sheet
Value:
114.28%
Peer Avg: 61.23%
#34 of 2596
Top 1.3% in <100M tier
68
Net Worth Ratio
risk
Value:
38.85%
Peer Avg: 16.43%
#68 of 2596
Top 2.6% in <100M tier
402
Net Interest Margin (NIM)
profitability
Value:
4.94%
Peer Avg: 3.93%
#402 of 2596
Top 15.4% in <100M tier
463
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,031
Peer Avg: $5,488
#463 of 2596
Top 17.8% in <100M tier
638
Loan Growth Rate
growth
Value:
3.73%
Peer Avg: 59.01%
#638 of 2596
Top 24.5% in <100M tier
639
Share Certificate Concentration (%)
balance_sheet
Value:
0.72%
Peer Avg: 15.37%
#639 of 2596
Top 24.6% in <100M tier
Top Weaknesses (3 metrics)
2378
Total Delinquency Rate (60+ days)
risk
Value:
3.95%
Peer Avg: 1.51%
#2378 of 2596
Bottom 8.4% in <100M tier
2140
Total Members
engagement
Value:
634
Peer Avg: 2,626
#2140 of 2596
Bottom 17.6% in <100M tier
2047
Total Deposits
balance_sheet
Value:
$4.46M
Peer Avg: $25.45M
#2047 of 2596
Bottom 21.2% in <100M tier