BlastPoint's Credit Union Scorecard
DUGOOD
Charter #15146 · TX
DUGOOD demonstrates 9 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 8.1% in tier
- + Credit Quality Leader: Top 13.9% in tier
- + Organic Growth Leader: Top 16.8% in tier
- + Profitability Leader: Top 32.5% in tier
- + Wallet Share Momentum: Top 99.8% in tier
- + ROA 0.96% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Efficiency Ratio: Top 4.1% in tier
- + Asset Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,211
+2.4% YoY+1.0% QoQ
|
-2.5K |
39,752
-2.7% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
47% |
| Assets |
$585.6M
+11.2% YoY+3.2% QoQ
|
$-36.8M |
$622.4M
+0.3% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
37% |
| Loans |
$394.1M
+3.4% YoY+2.4% QoQ
|
$-41.9M |
$435.9M
-0.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$503.6M
+11.1% YoY+3.2% QoQ
|
$-34.4M |
$538.0M
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
1.6%
+13.8% YoY+4.6% QoQ
|
+1.0% |
0.7%
+33.9% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 5.9% in tier |
| NIM |
3.4%
-0.1% YoY-0.3% QoQ
|
-0.0% |
3.4%
+8.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
47% |
| Efficiency Ratio |
61.1%
-5.5% YoY-1.9% QoQ
|
-17.0% |
78.1%
-3.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.1% in tier |
| Delinquency Rate |
0.1%
-41.4% YoY-9.2% QoQ
|
-0.7 |
0.8%
-4.9% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
78.2%
-6.9% YoY-0.7% QoQ
|
-2.8% |
81.0%
-1.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$24,123
+5.0% YoY+1.9% QoQ
|
$-2K |
$26,482
+2.6% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
27.4%
+6.9% YoY+0.9% QoQ
|
+3.0% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
62% |
| Indirect Auto % |
13.0%
-13.1% YoY-5.5% QoQ
|
-1.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
59% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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)