BlastPoint's Credit Union Scorecard
BELTON
Charter #15565 · TX
BELTON has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.00% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.74% below tier average
- - Efficiency ratio 9.75% above tier (higher cost structure)
- - Delinquency rate 0.82% above tier average
- - Net Charge-Off Rate: Bottom 5.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
803
+0.5% YoY+1.6% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$4.2M
+4.3% YoY+0.6% QoQ
|
$-25.9M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$1.8M
-10.5% YoY-4.0% QoQ
|
$-14.0M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$3.5M
+6.7% YoY+1.3% QoQ
|
$-22.1M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
-1.1%
-276.3% YoY+44.0% QoQ
|
-1.7% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.3% in tier |
| NIM |
5.0%
+31.7% YoY-5.5% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
85% |
| Efficiency Ratio |
92.3%
+12.5% YoY+7.3% QoQ
|
+9.7% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
2.4%
-53.5% YoY+329.4% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
50.6%
-16.1% YoY-5.3% QoQ
|
-10.0% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$6,650
-0.3% YoY-2.1% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.7% in tier |
| CD Concentration |
9.7%
+43.1% YoY+14.6% QoQ
|
-14.7% | 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)