BlastPoint's Credit Union Scorecard
COMMON CENTS
Charter #15788 · TX
COMMON CENTS has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.73% below tier average
- - Efficiency ratio 32.56% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,586
+2.2% YoY+1.0% QoQ
|
+960 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$36.8M
+6.7% YoY+2.2% QoQ
|
+$6.9M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$23.4M
-1.6% YoY+4.0% QoQ
|
+$7.6M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
75% |
| Deposits |
$32.6M
+9.2% YoY+2.7% QoQ
|
+$7.1M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
68% |
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| ROA |
-2.0%
+2782.7% YoY+32.3% QoQ
|
-2.7% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.0% in tier |
| NIM |
3.6%
-14.9% YoY+0.7% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
37% |
| Efficiency Ratio |
114.0%
+24.2% YoY+1.2% QoQ
|
+32.6% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 5.4% in tier |
| Delinquency Rate |
1.4%
+34.0% YoY+32.9% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
71.8%
-9.9% YoY+1.2% QoQ
|
+10.6% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$15,613
+2.2% YoY+2.3% QoQ
|
+$986 |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
60% |
| CD Concentration |
31.4%
+3.2% YoY+1.1% QoQ
|
+7.0% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)