BlastPoint's Credit Union Scorecard
SALT EMPLOYEES
Charter #15001 · TX
<100M
2508 CUs in <100M nationally
237 in TX
SALT EMPLOYEES has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.57% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 1.4% in tier
- + Loan-to-Share Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.01% below tier average
- - Efficiency ratio 15.14% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Net Charge-Off Rate: Bottom 5.2% in tier
- - Total Deposits: Bottom 5.4% in tier
- - Total Assets: Bottom 7.5% in tier
- - Average Member Relationship (AMR): Bottom 7.9% in tier
- - Total Members: Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
315
-4.3% YoY-1.3% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 8.3% in tier |
| Assets |
$1.5M
-2.5% YoY-1.7% QoQ
|
$-28.7M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.5% in tier |
| Loans |
$686,191
+0.5% YoY+2.4% QoQ
|
$-14.6M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.1% in tier |
| Deposits |
$768,362
+0.8% YoY-2.3% QoQ
|
$-25.0M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.4% in tier |
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| ROA |
-0.9%
-65.7% YoY+76.5% QoQ
|
-1.0% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.3% in tier |
| NIM |
4.6%
+30.8% YoY+21.5% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
105.8%
-9.2% YoY-2.2% QoQ
|
+15.1% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.1% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
89.3%
-0.3% YoY+4.8% QoQ
|
+30.8% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 8.9% in tier |
| AMR |
$4,618
+5.2% YoY+1.1% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.9% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
35
Net Worth Ratio
risk
Value:
44.52%
Peer Median: 14.28%
#35 of 2508
Top 1.4% in <100M tier
222
Loan-to-Share Ratio
balance_sheet
Value:
89.31%
Peer Median: 58.72%
#222 of 2508
Top 8.8% in <100M tier
537
Net Interest Margin (NIM)
profitability
Value:
4.58%
Peer Median: 3.83%
#537 of 2508
Top 21.4% in <100M tier
Top Weaknesses (13 metrics)
2378
Net Charge-Off Rate
risk
Value:
2.34%
Peer Median: 0.07%
#2378 of 2508
Bottom 5.2% in <100M tier
2373
Total Deposits
balance_sheet
Value:
$768,362
Peer Median: $18.77M
#2373 of 2508
Bottom 5.4% in <100M tier
2321
Total Assets
balance_sheet
Value:
$1.48M
Peer Median: $21.86M
#2321 of 2508
Bottom 7.5% in <100M tier
2311
Average Member Relationship (AMR)
engagement
Value:
$4,618
Peer Median: $13,926
#2311 of 2508
Bottom 7.9% in <100M tier
2298
Total Members
engagement
Value:
315
Peer Median: 1,918
#2298 of 2508
Bottom 8.4% in <100M tier
2279
Total Loans
balance_sheet
Value:
$686,191
Peer Median: $9.48M
#2279 of 2508
Bottom 9.2% in <100M tier
2275
Return on Assets (ROA)
profitability
Value:
-0.86%
Peer Median: 0.61%
#2275 of 2508
Bottom 9.3% in <100M tier
2249
Members Per Employee (MPE)
engagement
Value:
157.500
Peer Median: 333.750
#2249 of 2508
Bottom 10.4% in <100M tier
2206
Efficiency Ratio
profitability
Value:
105.77%
Peer Median: 81.45%
#2206 of 2508
Bottom 12.1% in <100M tier
2185
Fee Income Per Member
profitability
Value:
$3.43
Peer Median: $60.42
#2185 of 2508
Bottom 12.9% in <100M tier