BlastPoint's Credit Union Scorecard
BAYCEL
Charter #15563 · TX
BAYCEL demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.55% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 4.6% in tier
- + Total Assets: Top 5.3% in tier
- + Total Deposits: Top 8.3% 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 |
5,500
+1.3% YoY+0.3% QoQ
|
+2.9K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 11.2% in tier |
| Assets |
$86.3M
+6.6% YoY+1.4% QoQ
|
+$56.2M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 5.4% in tier |
| Loans |
$36.6M
+2.2% YoY+3.3% QoQ
|
+$20.9M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 13.0% in tier |
| Deposits |
$67.1M
+5.3% YoY+1.1% QoQ
|
+$41.4M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 8.3% in tier |
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| ROA |
2.2%
+13.9% YoY-8.7% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 5.3% in tier |
| NIM |
3.9%
+8.2% YoY-4.0% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
50.6%
-2.2% YoY+6.1% QoQ
|
-32.0% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.6% in tier |
| Delinquency Rate |
0.8%
-32.5% YoY-18.2% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
54.6%
-3.0% YoY+2.2% QoQ
|
-6.0% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$18,861
+2.9% YoY+1.6% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
15.4%
+12.8% YoY+3.5% QoQ
|
-9.1% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)