BlastPoint's Credit Union Scorecard
DUGOOD
Charter #15146 · TX
DUGOOD demonstrates 8 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 22.9% in tier
- + Organic Growth Leader: Top 52.7% in tier
- + Wallet Share Momentum: Top 73.4% in tier
- + ROA 0.89% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Efficiency Ratio: Top 4.2% in tier
- + Deposit Growth Rate: Top 7.9% in tier
- + Asset Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,482
+2.4% YoY+0.7% QoQ
|
-1.1K |
38,575
-4.8% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$594.7M
+11.8% YoY+1.6% QoQ
|
$-27.0M |
$621.7M
+0.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$406.8M
+6.2% YoY+3.2% QoQ
|
$-23.1M |
$429.8M
-1.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$509.3M
+11.3% YoY+1.1% QoQ
|
$-29.4M |
$538.7M
+0.6% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
1.5%
+8.5% YoY-4.4% QoQ
|
+0.9% |
0.7%
+42.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 5.5% in tier |
| NIM |
3.4%
-2.6% YoY-1.2% QoQ
|
-0.1% |
3.4%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
61.8%
-4.0% YoY+1.1% QoQ
|
-15.7% |
77.5%
-4.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.2% in tier |
| Delinquency Rate |
0.1%
-12.0% YoY+6.8% QoQ
|
-0.7 |
0.8%
-1.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
79.9%
-4.6% YoY+2.1% QoQ
|
+0.0% |
79.8%
-2.3% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$24,440
+6.4% YoY+1.3% QoQ
|
$-2K |
$26,849
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
28.7%
+12.9% YoY+4.6% QoQ
|
+4.3% | 24.4% | 21.2% | 19.8% | 66% |
| Indirect Auto % |
12.1%
-16.4% YoY-6.7% QoQ
|
-1.6% | 13.8% | 7.1% | 7.8% | 57% |
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 (<20%). 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)