BlastPoint's Credit Union Scorecard
KELLY COMMUNITY
Charter #15467 · TX
KELLY COMMUNITY has 10 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.1% in tier
- + Organic Growth Leader: Top 4.9% in tier
- + Emerging Performer: Top 37.9% in tier
- + Credit Quality Leader: Top 93.5% in tier
- + ROA 0.14% above tier average
- + Net Interest Margin 0.09% above tier average
- + Strong member growth: 5.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 5.3% in tier
- + Member Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 13.2% in tier
- - AMR Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,406
+5.7% YoY+1.5% QoQ
|
-5.2K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$167.6M
+0.6% YoY-0.7% QoQ
|
$-63.7M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$129.1M
+7.5% YoY+4.2% QoQ
|
$-18.7M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
52% |
| Deposits |
$145.1M
-0.4% YoY-1.2% QoQ
|
$-55.2M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
38% |
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| ROA |
0.9%
+968.3% YoY-3.2% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
61% |
| NIM |
3.7%
+36.0% YoY+4.2% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
55% |
| Efficiency Ratio |
74.0%
-17.3% YoY+0.5% QoQ
|
-3.2% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.4%
-33.1% YoY+42.1% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
24% |
| Loan To Share |
89.0%
+7.9% YoY+5.5% QoQ
|
+16.3% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
83% |
| AMR |
$26,352
-2.4% YoY-0.2% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
33.6%
-3.7% YoY+6.4% QoQ
|
+9.2% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
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.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)