BlastPoint's Credit Union Scorecard

JSC

Charter #14762 · TX

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 28 in TX

View Mid-Market leaderboard →

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 7.8% in tier
+ Total Assets: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.0% in tier
- Institutional Decline: Bottom 27.9% in tier
- Indirect Auto Dependency: Bottom 91.8% in tier
- Stagnation Risk: Bottom 93.2% in tier
- Membership Headwinds: Bottom 93.2% in tier
- ROA 0.22% below tier average
- Delinquency rate 0.23% above tier average
- Member decline: -4.5% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	126,357 -4.5% YoY+0.9% QoQ	+30.3K	96,048 -2.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	79%
Assets	$2.6B -1.2% YoY-0.5% QoQ	+$926.4M	$1.7B +0.4% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Top 9.8% in tier
Loans	$1.8B -3.1% YoY+0.4% QoQ	+$574.8M	$1.2B +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Top 14.4% in tier
Deposits	$2.3B -1.9% YoY-0.2% QoQ	+$861.0M	$1.5B +0.5% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Top 8.2% in tier

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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	0.5% +238.0% YoY	-0.2%	0.7% +27.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	31%
NIM	3.2% +14.6% YoY+21.9% QoQ	-0.1%	3.4% +6.2% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	38%
Efficiency Ratio	72.5% -7.1% YoY-12.0% QoQ	-2.1%	74.6% -3.0% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	40%
Delinquency Rate	1.0% +50.3% YoY-16.0% QoQ	+0.2	0.8% +6.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	78%
Loan To Share	76.9% -1.1% YoY+0.7% QoQ	-6.3%	83.2% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	28%
AMR	$32,567 +2.1% YoY-0.8% QoQ	+$3K	$29,652 +2.3% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	74%
CD Concentration	23.1% -17.1% YoY-5.9% QoQ	-5.7%	28.8%	21.3%	19.8%	25%
Indirect Auto %	25.6% -3.0% YoY+1.1% QoQ	+7.5%	18.1%	6.9%	7.7%	70%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#12 of 91 • Bottom 93.2% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.49%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.07%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.99%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Credit Quality Pressure

risk

#38 of 225 • Bottom 10.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.33% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Institutional Decline

decline

#8 of 31 • Bottom 27.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $2.65B

(Tier: $2.16B, National: $578.34M)

but better than tier avg

Member Growth (YoY): -4.49%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.07%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

31 of 384 Mid-Market CUs have this signature | 289 nationally

→ No prior data (31 CUs now) | New qualifier

Membership Headwinds

decline

#27 of 91 • Bottom 93.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.49%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Indirect Auto Dependency

risk

#148 of 198 • Bottom 91.8% in tier

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

Why This Signature

Asset Growth (YoY): -1.24%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 25.59%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -4.49%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 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 306 peers in tier

Top Strengths (4 metrics)

Total Deposits

balance_sheet

Value: $2.33B

Peer Median: $1.31B

#25 of 306 Top 7.8% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.65B

Peer Median: $1.51B

#30 of 306 Top 9.5% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.79B

Peer Median: $1.11B

#44 of 306 Top 14.1% in 1B-3B tier

Total Members

engagement

Value: 126,357

Peer Median: 85,918

#65 of 306 Top 20.9% in 1B-3B tier

Top Weaknesses (6 metrics)

284

Member Growth Rate

growth

Value: -4.49%

Peer Median: 2.03%

#284 of 306 Bottom 7.5% in 1B-3B tier

283

Deposit Growth Rate

growth

Value: -1.95%

Peer Median: 4.44%

#283 of 306 Bottom 7.8% in 1B-3B tier

280

Asset Growth Rate

growth

Value: -1.24%

Peer Median: 4.82%

#280 of 306 Bottom 8.8% in 1B-3B tier

277

Loan Growth Rate

growth

Value: -3.07%

Peer Median: 5.67%

#277 of 306 Bottom 9.8% in 1B-3B tier

247

First Mortgage Concentration (%)

balance_sheet

Value: 45.01%

Peer Median: 33.05%

#247 of 306 Bottom 19.6% in 1B-3B tier

239

Total Delinquency Rate (60+ days)

risk

Value: 0.99%

Peer Median: 0.63%

#239 of 306 Bottom 22.2% in 1B-3B tier