BlastPoint's Credit Union Scorecard

LOCAL 24 EMPLOYEES

Charter #14656 · TX

<100M

2508 CUs in <100M nationally 237 in TX

LOCAL 24 EMPLOYEES demonstrates 4 strengths

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.29% above tier average
+ Net Interest Margin 0.64% above tier average
+ Loan Growth Rate: Top 7.8% in tier
+ Efficiency Ratio: Top 9.4% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	1,168 +3.5% YoY+1.0% QoQ	-1.5K	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	33%
Assets	$14.0M +4.1% YoY+0.7% QoQ	$-16.2M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	39%
Loans	$4.4M +11.9% YoY-0.2% QoQ	$-10.9M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	31%
Deposits	$11.1M +3.5% YoY+0.5% QoQ	$-14.7M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% -10.0% YoY-24.6% QoQ	+1.3%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	84%
NIM	4.7% -1.4% YoY-0.7% QoQ	+0.6%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	81%
Efficiency Ratio	57.2% -15.8% YoY-15.2% QoQ	-33.4%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Top 9.4% in tier
Delinquency Rate	0.2% +143.2% YoY+11.6% QoQ	-1.3	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	27%
Loan To Share	39.6% +8.1% YoY-0.8% QoQ	-18.9%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	22%
AMR	$13,260 +2.2% YoY-0.6% QoQ	$-2K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	46%
CD Concentration	0.0%	-24.3%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

196

Loan Growth Rate

growth

Value: 11.92%

Peer Median: -2.36%

#196 of 2508 Top 7.8% in <100M tier

237

Efficiency Ratio

profitability

Value: 57.22%

Peer Median: 81.45%

#237 of 2508 Top 9.4% in <100M tier

257

Member Growth Rate

growth

Value: 3.55%

Peer Median: -1.37%

#257 of 2508 Top 10.2% in <100M tier

361

Net Charge-Off Rate

risk

Value: -0.03%

Peer Median: 0.07%

#361 of 2508 Top 14.4% in <100M tier

412

Return on Assets (ROA)

profitability

Value: 1.44%

Peer Median: 0.61%

#412 of 2508 Top 16.4% in <100M tier

470

Net Interest Margin (NIM)

profitability

Value: 4.65%

Peer Median: 3.83%

#470 of 2508 Top 18.7% in <100M tier

539

Net Worth Ratio

risk

Value: 20.21%

Peer Median: 14.28%

#539 of 2508 Top 21.5% in <100M tier

Top Weaknesses (1 metrics)

1962

Loan-to-Share Ratio

balance_sheet

Value: 39.61%

Peer Median: 58.72%

#1962 of 2508 Bottom 21.8% in <100M tier