BlastPoint's Credit Union Scorecard
BAKER HUGHES
Charter #16271 · TX
BAKER HUGHES has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 17.90% above tier (higher cost structure)
- - Member decline: -7.4% YoY
- - Loan-to-Share Ratio: Bottom 3.7% in tier
- - Loan Growth Rate: Bottom 4.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.8% in tier
- - Member Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,454
-7.4% YoY-3.3% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$11.8M
-5.6% YoY-2.6% QoQ
|
$-18.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$1.8M
-21.3% YoY-10.2% QoQ
|
$-14.0M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$10.3M
-6.3% YoY-2.9% QoQ
|
$-15.4M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
37% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.1%
-124.8% YoY-136.3% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.8% in tier |
| NIM |
3.9%
+2.6% YoY+0.1% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
100.5%
+10.6% YoY+5.9% QoQ
|
+17.9% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 10.8% in tier |
| Delinquency Rate |
1.3%
-36.7% YoY+110.5% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
17.2%
-16.0% YoY-7.6% QoQ
|
-43.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.6% in tier |
| AMR |
$8,262
-1.6% YoY-0.8% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
4.2%
-10.6% YoY+2.9% QoQ
|
-20.2% | 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)