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
- + Fee Income Per Member: Top 7.9% in tier
- + Member Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 2.75% below tier average
- - Efficiency ratio 31.45% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,633
+3.2% YoY+1.3% QoQ
|
+1.0K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$34.5M
-0.2% YoY-6.2% QoQ
|
+$4.3M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$24.0M
+2.1% YoY+2.4% QoQ
|
+$8.2M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$31.0M
+3.7% YoY-5.0% QoQ
|
+$5.3M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
-2.1%
+2464.7% YoY+4.3% QoQ
|
-2.8% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.1% in tier |
| NIM |
3.7%
-11.6% YoY+3.1% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
114.0%
+24.1% YoY+0.0% QoQ
|
+31.5% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate |
1.0%
-44.9% YoY-24.6% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
77.4%
-1.6% YoY+7.7% QoQ
|
+16.8% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$15,120
-0.2% YoY-3.2% QoQ
|
+$337 |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
31.7%
+3.1% YoY+0.9% QoQ
|
+7.2% | 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)