BlastPoint's Credit Union Scorecard
BAYCEL
Charter #15563 · TX
BAYCEL demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.21% above tier average
- + Efficiency Ratio: Top 2.9% in tier
- + Total Assets: Top 3.6% in tier
- + Total Deposits: Top 6.2% 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 |
5,495
+0.8% YoY-0.1% QoQ
|
+2.8K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 10.8% in tier |
| Assets |
$90.4M
+6.7% YoY+4.6% QoQ
|
+$60.2M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Top 3.7% in tier |
| Loans |
$36.2M
+1.3% YoY-1.3% QoQ
|
+$20.9M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Top 12.6% in tier |
| Deposits |
$70.6M
+5.5% YoY+5.3% QoQ
|
+$44.9M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Top 6.3% in tier |
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| ROA |
2.4%
+16.1% YoY+8.4% QoQ
|
+2.2% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 3.7% in tier |
| NIM |
4.1%
+4.2% YoY+4.8% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
60% |
| Efficiency Ratio |
44.1%
-10.9% YoY-12.7% QoQ
|
-46.5% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Top 2.9% in tier |
| Delinquency Rate |
0.8%
-27.7% YoY-3.8% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
55% |
| Loan To Share |
51.2%
-4.0% YoY-6.2% QoQ
|
-7.3% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$19,439
+3.2% YoY+3.1% QoQ
|
+$5K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration |
14.6%
+10.5% YoY-5.1% QoQ
|
-9.7% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)