BlastPoint's Credit Union Scorecard
SALT EMPLOYEES
Charter #15001 · TX
2556 CUs in <100M nationally
243 in TX
SALT EMPLOYEES has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.5% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Efficiency ratio 25.60% above tier (higher cost structure)
- - Member decline: -3.0% YoY
- - Total Deposits: Bottom 5.6% in tier
- - Total Assets: Bottom 7.6% in tier
- - Average Member Relationship (AMR): Bottom 7.7% in tier
- - Total Members: Bottom 8.4% in tier
- - Total Loans: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
319
-3.0% YoY+1.3% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 8.4% in tier |
| Assets |
$1.5M
-1.1% YoY-4.6% QoQ
|
$-28.6M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.6% in tier |
| Loans |
$670,406
-12.1% YoY-1.5% QoQ
|
$-15.1M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.0% in tier |
| Deposits |
$786,548
+1.7% YoY-7.2% QoQ
|
$-24.9M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.5% in tier |
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| ROA |
-0.5%
-74.8% YoY-43.7% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.1% in tier |
| NIM |
3.8%
-5.7% YoY-0.9% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
108.2%
+13.1% YoY+2.1% QoQ
|
+25.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 7.2% in tier |
| Delinquency Rate |
0.6%
-68.9% YoY+3253.5% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
85.2%
-13.6% YoY+6.1% QoQ
|
+24.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
85% |
| AMR |
$4,567
-2.2% YoY-5.9% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.6% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
40
Net Worth Ratio
risk
Value:
43.97%
Peer Median: -
#40 of 2556
Top 1.5% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
383
Loan-to-Share Ratio
balance_sheet
Value:
85.23%
Peer Median: -
#383 of 2556
Top 14.9% in <100M tier
Top Weaknesses (11 metrics)
2415
Total Deposits
balance_sheet
Value:
$786,548
Peer Median: -
#2415 of 2556
Bottom 5.6% in <100M tier
2374
Efficiency Ratio
profitability
Value:
108.16%
Peer Median: -
#2374 of 2556
Bottom 7.2% in <100M tier
2363
Total Assets
balance_sheet
Value:
$1.51M
Peer Median: -
#2363 of 2556
Bottom 7.6% in <100M tier
2361
Average Member Relationship (AMR)
engagement
Value:
$4,567
Peer Median: -
#2361 of 2556
Bottom 7.7% in <100M tier
2342
Total Members
engagement
Value:
319
Peer Median: -
#2342 of 2556
Bottom 8.4% in <100M tier
2326
Total Loans
balance_sheet
Value:
$670,406
Peer Median: -
#2326 of 2556
Bottom 9.0% in <100M tier
2323
Return on Assets (ROA)
profitability
Value:
-0.49%
Peer Median: -
#2323 of 2556
Bottom 9.2% in <100M tier
2288
Members Per Employee (MPE)
engagement
Value:
159.500
Peer Median: -
#2288 of 2556
Bottom 10.5% in <100M tier
2260
Fee Income Per Member
profitability
Value:
$3.56
Peer Median: -
#2260 of 2556
Bottom 11.6% in <100M tier
2198
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,102
Peer Median: -
#2198 of 2556
Bottom 14.0% in <100M tier