BlastPoint's Credit Union Scorecard

COMMUNITYAMERICA

Charter #15732 · TX

Large 7B-10B
29 CUs in 7B-10B nationally 2 in TX
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COMMUNITYAMERICA has 7 strengths but faces 5 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.59% above tier average
  • + Strong member growth: 139.4% YoY
  • + Fee Income Per Member: Top 0.1% in tier
  • + Member Growth Rate: Top 0.1% in tier
  • + Asset Growth Rate: Top 0.1% in tier
  • + Loan Growth Rate: Top 0.1% in tier
  • + Deposit Growth Rate: Top 0.1% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 1.6% in tier
  • - Margin Compression: Bottom 43.9% in tier
  • - Efficiency ratio 10.57% above tier (higher cost structure)
  • - Delinquency rate 0.79% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 3.4% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 591,912
+139.4% YoY-4.1% QoQ
 +155.0K 436,889
-2.3% YoY
 29,039
+7.4% YoY
 33,913
+5.7% YoY
 Top 13.8% in tier
Assets $9.0B
+153.4% YoY+3.6% QoQ
 +$73.5M $8.9B
-0.1% YoY
 $450.8M
+10.3% YoY
 $578.3M
+9.0% YoY
 45%
Loans $6.2B
+128.1% YoY-1.5% QoQ
 +$80.0M $6.1B
-1.1% YoY
 $318.1M
+8.9% YoY
 $402.4M
+8.7% YoY
 38%
Deposits $8.1B
+158.0% YoY+3.5% QoQ
 +$431.7M $7.7B
+1.8% YoY
 $378.7M
+10.8% YoY
 $494.3M
+9.1% YoY
 59%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.9%
-66.3% YoY+19.4% QoQ
 +0.0% 0.9%
+16.3% YoY
 -0.2%
-134.7% YoY
 0.4%
-39.2% YoY
 52%
NIM 3.6%
+16.6% YoY+1.4% QoQ
 +0.6% 3.1%
+6.3% YoY
 3.9%
-0.7% YoY
 3.8%
+4.1% YoY
 79%
Efficiency Ratio 76.6%
-6.9% YoY-2.5% QoQ
 +10.6% 66.1%
-2.8% YoY
 98.7%
+20.4% YoY
 84.6%
+2.8% YoY
 83%
Delinquency Rate 1.4%
-21.5% YoY-13.6% QoQ
 +0.8 0.6%
+12.0% YoY
 1.2%
+13.1% YoY
 1.2%
+3.4% YoY
 Bottom 3.4% in tier
Loan To Share 77.0%
-11.6% YoY-4.8% QoQ
 -3.4% 80.4%
-3.4% YoY
 69.5%
-2.6% YoY
 65.6%
-1.4% YoY
 31%
AMR $24,181
+2.0% YoY+5.6% QoQ
 $-13K $37,056
+6.8% YoY
 $17,820
+2.9% YoY
 $19,920
+1.6% YoY
 17%
CD Concentration 22.1%
-29.3% YoY+0.3% QoQ
 -6.5% 28.6% 21.3% 19.8% 23%
Indirect Auto % 17.7%
-9.6% YoY+2.4% QoQ
 +1.4% 16.4% 6.9% 7.7% 56%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Margin Compression

decline
#1 of 2 • Bottom 43.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.94%
(Tier: 0.90%, National: 0.39%)
but better than tier avg
ROA (Prior Year): 2.77%
(Tier: 0.79%, National: 0.75%)
but better than tier avg
ROA Change (YoY): -1.84% points
(Tier: 0.13% points, National: -0.45% points)
worse than tier avg
2 of 66 Large CUs have this signature | 162 nationally
→ No prior data (2 CUs now) | New qualifier

Indirect Auto Dependency

risk
#21 of 34 • Bottom 1.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 153.39%
(Tier: 8.53%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 17.72%
(Tier: 16.37%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 139.35%
(Tier: 4.32%, National: 10.19%)
but better than tier avg
34 of 66 Large CUs have this signature | 745 nationally
→ Stable (34→34 CUs) | Rank improving

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)

Comparing against 29 peers in tier

Top Strengths (9 metrics)

1
Fee Income Per Member
profitability
Value: $306.56
Peer Median: $199.06
#1 of 29 Top 0.1% in 7B-10B tier
1
Member Growth Rate
growth
Value: 139.35%
Peer Median: 2.73%
#1 of 29 Top 0.1% in 7B-10B tier
1
Asset Growth Rate
growth
Value: 153.39%
Peer Median: 3.62%
#1 of 29 Top 0.1% in 7B-10B tier
1
Loan Growth Rate
growth
Value: 128.07%
Peer Median: 4.07%
#1 of 29 Top 0.1% in 7B-10B tier
1
Deposit Growth Rate
growth
Value: 158.01%
Peer Median: 4.66%
#1 of 29 Top 0.1% in 7B-10B tier
4
Total Members
engagement
Value: 591,912
Peer Median: 421,142
#4 of 29 Top 10.3% in 7B-10B tier
6
Net Interest Margin (NIM)
profitability
Value: 3.65%
Peer Median: 3.05%
#6 of 29 Top 17.2% in 7B-10B tier
6
First Mortgage Concentration (%)
balance_sheet
Value: 27.75%
Peer Median: 37.49%
#6 of 29 Top 17.2% in 7B-10B tier
8
Share Certificate Concentration (%)
balance_sheet
Value: 22.10%
Peer Median: 25.99%
#8 of 29 Top 24.1% in 7B-10B tier

Top Weaknesses (6 metrics)

29
Total Delinquency Rate (60+ days)
risk
Value: 1.41%
Peer Median: 0.62%
#29 of 29 Bottom 3.4% in 7B-10B tier
27
Net Charge-Off Rate
risk
Value: 1.18%
Peer Median: 0.45%
#27 of 29 Bottom 10.3% in 7B-10B tier
27
Net Worth Ratio
risk
Value: 9.65%
Peer Median: 11.34%
#27 of 29 Bottom 10.3% in 7B-10B tier
25
Efficiency Ratio
profitability
Value: 76.62%
Peer Median: 65.65%
#25 of 29 Bottom 17.2% in 7B-10B tier
25
Loan-to-Member Ratio (LMR)
engagement
Value: $10,520
Peer Median: $13,058
#25 of 29 Bottom 17.2% in 7B-10B tier
24
Average Member Relationship (AMR)
engagement
Value: $24,181
Peer Median: $30,591
#24 of 29 Bottom 20.7% in 7B-10B tier
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