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
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.58% below tier average
- - Efficiency ratio 21.28% above tier (higher cost structure)
- - Delinquency rate 2.27% above tier average
- - Loan Growth Rate: Bottom 4.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
803
+1.0% YoY0% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$4.3M
+5.2% YoY+1.6% QoQ
|
$-25.9M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$1.6M
-23.9% YoY-10.2% QoQ
|
$-13.7M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$3.6M
+6.7% YoY+1.9% QoQ
|
$-22.2M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
-1.4%
-58.5% YoY+27.9% QoQ
|
-1.6% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.4% in tier |
| NIM |
4.1%
-40.5% YoY-18.1% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
61% |
| Efficiency Ratio |
111.9%
+39.9% YoY+21.2% QoQ
|
+21.3% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.8% in tier |
| Delinquency Rate |
3.8%
-8.8% YoY+59.3% QoQ
|
+2.3 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.3% in tier |
| Loan To Share |
44.5%
-28.7% YoY-11.9% QoQ
|
-14.0% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$6,508
-6.0% YoY-2.1% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 13.4% in tier |
| CD Concentration |
13.8%
+80.6% YoY+41.9% QoQ
|
-10.5% | 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)