BlastPoint's Credit Union Scorecard
JSC
Charter #14762 · TX
JSC has 2 strengths but faces 12 concerns
How does the industry compare?
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 5.6% in tier
- + Total Assets: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 6.9% in tier
- - Stagnation Risk: Bottom 7.1% in tier
- - Credit Quality Pressure: Bottom 13.8% in tier
- - Membership Headwinds: Bottom 26.2% in tier
- - Efficiency Drag: Bottom 68.5% in tier
- - Indirect Auto Dependency: Bottom 78.5% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 8.30% above tier (higher cost structure)
- - Delinquency rate 0.28% above tier average
- - Member decline: -4.8% YoY
- - Loan Growth Rate: Bottom 5.0% in tier
- - Member Growth Rate: 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 |
125,197
-4.8% YoY+0.3% QoQ
|
+27.8K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$2.7B
+0.4% YoY-0.2% QoQ
|
+$935.6M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 8.6% in tier |
| Loans |
$1.8B
-6.1% YoY-0.5% QoQ
|
+$546.1M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 14.9% in tier |
| Deposits |
$2.3B
-0.8% YoY+0.3% QoQ
|
+$872.1M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 6.0% in tier |
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| ROA |
0.0%
-79.3% YoY-93.7% QoQ
|
-0.7% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.3% in tier |
| NIM |
2.6%
-4.0% YoY-10.4% QoQ
|
-0.6% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
15% |
| Efficiency Ratio |
82.4%
+5.7% YoY+11.4% QoQ
|
+8.3% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
1.2%
+50.9% YoY+37.0% QoQ
|
+0.3 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
76.4%
-5.4% YoY-0.9% QoQ
|
-8.4% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$32,844
+1.7% YoY-0.3% QoQ
|
+$3K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
24.6%
-15.2% YoY-11.0% QoQ
|
-4.5% | 29.0% | 21.2% | 19.8% | 31% |
| Indirect Auto % |
25.3%
-6.9% YoY-2.6% QoQ
|
+7.0% | 18.3% | 7.1% | 7.8% | 68% |
Signature Analysis
Strengths (0)
Concerns (6)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)