BlastPoint's Credit Union Scorecard

JSC

Charter #14762 · TX

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 27 in TX

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JSC has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Deposits: Top 8.7% in tier
+ Total Assets: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 27.4% in tier
- Credit Risk Growth: Bottom 80.4% in tier
- Shrinking Wallet Share: Bottom 88.4% in tier
- Flatlined Growth: Bottom 90.1% in tier
- Indirect Auto Dependency: Bottom 90.1% in tier
- Deposit Outflow: Bottom 91.4% in tier
- ROA 0.23% below tier average
- Delinquency rate 0.22% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
Shares and deposits -1.0% year over year ($2.32B in shares and deposits).
Membership: 127,511 members, +2.0% vs a year ago.
Delinquency rate 1.08%.
Return on assets 0.58%.
Efficiency ratio 71.28% vs a 73.02% peer average.
Loan-to-share ratio 78.70% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	127,511 +2.0% YoY+0.9% QoQ	+30.6K	96,861 -1.9% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	78%
Assets	$2.6B -0.6% YoY-0.0% QoQ	+$921.4M	$1.7B +0.4% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	Top 10.3% in tier
Loans	$1.8B +0.6% YoY+2.1% QoQ	+$592.2M	$1.2B +0.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	Top 14.7% in tier
Deposits	$2.3B -1.0% YoY-0.3% QoQ	+$857.3M	$1.5B +0.5% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	Top 9.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +83.0% YoY+18.3% QoQ	-0.2%	0.8% +27.6% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	31%
NIM	3.2% +12.7% YoY+0.6% QoQ	-0.2%	3.4% +6.6% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	33%
Efficiency Ratio	71.3% -4.4% YoY-1.7% QoQ	-1.7%	73.0% -2.7% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	41%
Delinquency Rate	1.1% +14.8% YoY+9.1% QoQ	+0.2	0.9% +7.3% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	75%
Loan To Share	78.7% +1.7% YoY+2.4% QoQ	-6.0%	84.7% +0.1% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	27%
AMR	$32,523 -2.2% YoY-0.1% QoQ	+$3K	$29,575 +1.5% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	74%
CD Concentration	22.3% -21.0% YoY-3.3% QoQ	-6.8%	29.1%	21.6%	20.0%	22%
Indirect Auto %	26.5% +1.7% YoY+3.4% QoQ	+8.4%	18.1%	6.9%	7.7%	72%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#102 of 215 • Bottom 27.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#44 of 69 • Bottom 88.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.22%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | New qualifier

Flatlined Growth

risk

#8 of 12 • Bottom 90.1% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -0.59%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Return on Assets: 0.58%

(Tier: 0.84%, National: 1.23%)

worse than tier avg

12 of 377 Mid-Market CUs have this signature | 57 nationally

↓ Shrinking -6 CUs YoY | Rank improving

Deposit Outflow

decline

#18 of 23 • Bottom 91.4% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.01%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 1.97%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

23 of 377 Mid-Market CUs have this signature | 109 nationally

→ Stable (22→23 CUs) +1 CUs YoY | New qualifier

Credit Risk Growth

risk

#144 of 170 • Bottom 80.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.65%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#168 of 193 • Bottom 90.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.59%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 26.46%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 1.97%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

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 300 peers in tier

Top Strengths (5 metrics)

Total Deposits

balance_sheet

Value: $2.32B

Peer Median: $1.30B

#27 of 300 Top 8.7% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.65B

Peer Median: $1.51B

#31 of 300 Top 10.0% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.83B

Peer Median: $1.14B

#44 of 300 Top 14.3% in 1B-3B tier

Total Members

engagement

Value: 127,511

Peer Median: 86,516

#66 of 300 Top 21.7% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 22.33%

Peer Median: 28.24%

#73 of 300 Top 24.0% in 1B-3B tier

Top Weaknesses (6 metrics)

269

Deposit Growth Rate

growth

Value: -1.01%

Peer Median: 4.79%

#269 of 300 Bottom 10.7% in 1B-3B tier

268

Asset Growth Rate

growth

Value: -0.59%

Peer Median: 5.21%

#268 of 300 Bottom 11.0% in 1B-3B tier

264

AMR Growth Rate

growth

Value: -2.22%

Peer Median: 3.19%

#264 of 300 Bottom 12.3% in 1B-3B tier

244

First Mortgage Concentration (%)

balance_sheet

Value: 44.29%

Peer Median: 33.59%

#244 of 300 Bottom 19.0% in 1B-3B tier

236

Loan Growth Rate

growth

Value: 0.65%

Peer Median: 5.71%

#236 of 300 Bottom 21.7% in 1B-3B tier

227

Total Delinquency Rate (60+ days)

risk

Value: 1.08%

Peer Median: 0.70%

#227 of 300 Bottom 24.7% in 1B-3B tier