BlastPoint's Credit Union Scorecard
BELTON
Charter #15565 · TX
BELTON has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.81% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 34.75% above tier (higher cost structure)
- - Delinquency rate 2.86% above tier average
- - Member decline: -4.9% YoY
- - Total Delinquency Rate (60+ days): Bottom 7.8% in tier
- - Loan Growth Rate: Bottom 8.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +6.2% year over year ($3.7M in shares and deposits).
- Membership: 757 members, -4.9% vs a year ago.
- Delinquency rate 4.41%.
- Return on assets 2.30%.
- Efficiency ratio 123.51% vs a 88.77% peer average.
- Loan-to-share ratio 43.14% vs a 58.89% 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 |
757
-4.9% YoY-5.7% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$4.3M
+4.0% YoY+0.9% QoQ
|
$-26.0M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$1.6M
-17.6% YoY-1.3% QoQ
|
$-13.9M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
15% |
| Deposits |
$3.7M
+6.2% YoY+1.9% QoQ
|
$-22.1M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
2.3%
-282.1% YoY-260.6% QoQ
|
+0.8% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 6.7% in tier |
| NIM |
3.6%
-34.0% YoY-10.4% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
39% |
| Efficiency Ratio |
123.5%
+52.5% YoY+10.4% QoQ
|
+34.7% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.6% in tier |
| Delinquency Rate |
4.4%
+96.0% YoY+16.8% QoQ
|
+2.9 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.8% in tier |
| Loan To Share |
43.1%
-22.4% YoY-3.1% QoQ
|
-15.7% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
26% |
| AMR |
$6,970
+2.8% YoY+7.1% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.7% in tier |
| CD Concentration |
17.5%
+135.0% YoY+27.1% QoQ
|
-7.1% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)