BlastPoint's Credit Union Scorecard
DUGOOD
Charter #15146 · TX
DUGOOD has 4 strengths but faces 1 concern
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 21.9% in tier
- + Organic Growth Leader: Top 21.9% in tier
- + ROA 0.59% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 14.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 16 that size in Texas.
- Shares and deposits +6.7% year over year ($521M in shares and deposits).
- Membership: 37,923 members, +2.9% vs a year ago.
- Delinquency rate 0.09%.
- Return on assets 1.41%.
- Efficiency ratio 65.24% vs a 76.56% peer average.
- Loan-to-share ratio 80.31% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,923
+2.9% YoY+0.2% QoQ
|
+25 |
37,897
-5.0% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
54% |
| Assets |
$609.4M
+7.4% YoY-0.2% QoQ
|
$-13.0M |
$622.4M
+0.6% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$418.3M
+8.7% YoY+1.7% QoQ
|
$-10.2M |
$428.5M
-0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$520.8M
+6.7% YoY-0.6% QoQ
|
$-18.9M |
$539.8M
+0.9% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
41% |
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| ROA |
1.4%
-9.0% YoY-1.8% QoQ
|
+0.6% |
0.8%
+39.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 10.3% in tier |
| NIM |
3.3%
-3.8% YoY+0.8% QoQ
|
-0.2% |
3.5%
+5.0% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
33% |
| Efficiency Ratio |
65.2%
+4.6% YoY+0.9% QoQ
|
-11.3% |
76.6%
-3.6% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 12.1% in tier |
| Delinquency Rate |
0.1%
-15.3% YoY-39.1% QoQ
|
-0.7 |
0.8%
+3.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
80.3%
+1.9% YoY+2.3% QoQ
|
+1.0% |
79.3%
-1.4% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
45% |
| AMR |
$24,763
+4.6% YoY+0.3% QoQ
|
$-3K |
$27,294
+4.1% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
30.0%
+10.1% YoY+3.1% QoQ
|
+5.4% | 24.6% | 21.6% | 20.0% | 71% |
| Indirect Auto % |
11.0%
-20.4% YoY-3.9% QoQ
|
-2.7% | 13.6% | 6.9% | 7.7% | 56% |
Signature Analysis
Strengths (2)
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.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)