BlastPoint's Credit Union Scorecard
JSC
Charter #14762 · TX
JSC has 3 strengths but faces 10 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
- + Relationship Depth Leader: Top 98.5% in tier
- + Total Deposits: Top 5.3% in tier
- + Total Assets: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 5.7% in tier
- - Institutional Decline: Bottom 6.9% in tier
- - Membership Headwinds: Bottom 10.9% in tier
- - Stagnation Risk: Bottom 14.2% in tier
- - Indirect Auto Dependency: Bottom 23.0% in tier
- - ROA 0.32% below tier average
- - Delinquency rate 0.03% above tier average
- - Member decline: -4.2% YoY
- - Loan Growth Rate: Bottom 7.9% in tier
- - Member Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
124,883
-4.2% YoY-0.1% QoQ
|
+26.2K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$2.7B
+0.2% YoY+0.1% QoQ
|
+$944.3M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 7.6% in tier |
| Loans |
$1.8B
-5.6% YoY-1.4% QoQ
|
+$556.8M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
85% |
| Deposits |
$2.3B
-1.0% YoY-0.9% QoQ
|
+$869.2M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 5.6% in tier |
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| ROA |
0.4%
-2.3% YoY+20.4% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
2.9%
+7.0% YoY+2.6% QoQ
|
-0.3% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
74.0%
-3.7% YoY-0.8% QoQ
|
-0.0% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.9%
-3.4% YoY-8.6% QoQ
|
+0.0 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
67% |
| Loan To Share |
77.0%
-4.6% YoY-0.5% QoQ
|
-8.2% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$32,938
+1.2% YoY-1.0% QoQ
|
+$4K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
77% |
| CD Concentration |
27.6%
-4.2% YoY-2.5% QoQ
|
-1.4% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
46% |
| Indirect Auto % |
26.0%
-8.4% YoY-0.1% QoQ
|
+7.2% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
69% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)