BlastPoint's Credit Union Scorecard
DUGOOD
Charter #15146 · TX
DUGOOD demonstrates 5 strengths
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 23.7% in tier
- + Organic Growth Leader: Top 23.7% in tier
- + Wallet Share Momentum: Top 24.8% in tier
- + ROA 0.75% above tier average
- + Total Delinquency Rate (60+ days): Top 5.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,857
+2.7% YoY+1.0% QoQ
|
-222 |
38,079
-4.8% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$610.5M
+10.0% YoY+2.7% QoQ
|
$-9.2M |
$619.7M
-0.2% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$411.1M
+8.7% YoY+1.1% QoQ
|
$-8.2M |
$419.3M
-1.4% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
45% |
| Deposits |
$523.9M
+9.7% YoY+2.9% QoQ
|
$-15.6M |
$539.5M
-0.1% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
43% |
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| ROA |
1.4%
-1.2% YoY-7.3% QoQ
|
+0.7% |
0.7%
+36.0% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 12.0% in tier |
| NIM |
3.3%
-5.5% YoY-3.1% QoQ
|
-0.2% |
3.5%
+4.5% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
33% |
| Efficiency Ratio |
64.6%
+1.1% YoY+4.6% QoQ
|
-13.7% |
78.4%
-3.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Top 10.2% in tier |
| Delinquency Rate |
0.1%
-7.1% YoY+43.5% QoQ
|
-0.6 |
0.7%
-0.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Top 5.4% in tier |
| Loan To Share |
78.5%
-0.9% YoY-1.7% QoQ
|
+0.8% |
77.7%
-1.2% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
43% |
| AMR |
$24,697
+6.4% YoY+1.1% QoQ
|
$-2K |
$26,927
+3.1% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
45% |
| CD Concentration |
29.0%
+11.0% YoY+1.2% QoQ
|
+4.8% | 24.3% | 21.3% | 19.8% | 68% |
| Indirect Auto % |
11.4%
-21.4% YoY-6.0% QoQ
|
-2.4% | 13.8% | 6.9% | 7.7% | 56% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)