BlastPoint's Credit Union Scorecard
LA JOYA AREA
Charter #14734 · TX
LA JOYA AREA has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
- + Total Members: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
- - Efficiency ratio 2.22% above tier (higher cost structure)
- - Delinquency rate 0.11% above tier average
- - Member decline: -2.9% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,429
-2.9% YoY-0.3% QoQ
|
+11.8K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 0.3% in tier |
| Assets |
$61.8M
-2.7% YoY+3.9% QoQ
|
+$31.6M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$30.6M
-8.9% YoY-5.5% QoQ
|
+$15.3M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
84% |
| Deposits |
$53.7M
-3.0% YoY+2.5% QoQ
|
+$27.9M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
84% |
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| ROA |
0.1%
-65.6% YoY
|
-0.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
25% |
| NIM |
4.1%
-0.6% YoY-7.4% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
64% |
| Efficiency Ratio |
92.9%
-0.0% YoY-1.5% QoQ
|
+2.2% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
1.6%
+54.7% YoY-14.7% QoQ
|
+0.1 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
76% |
| Loan To Share |
57.0%
-6.1% YoY-7.7% QoQ
|
-1.5% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
48% |
| AMR |
$5,842
-2.4% YoY-0.2% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.3% in tier |
| CD Concentration |
7.4%
-12.7% YoY-4.3% QoQ
|
-16.9% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)