BlastPoint's Credit Union Scorecard
SALT EMPLOYEES
Charter #15001 · TX
SALT EMPLOYEES has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.53% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 1.3% in tier
- + Loan-to-Share Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.14% below tier average
- - Efficiency ratio 13.16% above tier (higher cost structure)
- - Total Deposits: Bottom 5.3% in tier
- - Total Assets: Bottom 7.3% in tier
- - Average Member Relationship (AMR): Bottom 7.8% in tier
- - Total Members: Bottom 8.4% in tier
- - Total Loans: Bottom 9.0% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +0.0% year over year ($764K in shares and deposits).
- Membership: 315 members, -0.3% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.35%.
- Efficiency ratio 101.93% vs a 88.77% peer average.
- Loan-to-share ratio 91.40% vs a 58.89% 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 |
315
-0.3% YoY0% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Bottom 8.3% in tier |
| Assets |
$1.5M
-0.4% YoY-0.2% QoQ
|
$-28.8M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.3% in tier |
| Loans |
$698,317
-0.8% YoY+1.8% QoQ
|
$-14.8M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.0% in tier |
| Deposits |
$764,062
+0.0% YoY-0.6% QoQ
|
$-25.0M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.3% in tier |
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| ROA |
0.3%
-128.7% YoY-140.6% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
4.4%
+11.5% YoY-3.1% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
101.9%
-3.9% YoY-3.6% QoQ
|
+13.2% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.1% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
91.4%
-0.9% YoY+2.3% QoQ
|
+32.5% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 7.7% in tier |
| AMR |
$4,642
-0.0% YoY+0.5% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.8% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)