BlastPoint's Credit Union Scorecard
BAKER HUGHES
Charter #16271 · TX
BAKER HUGHES faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Efficiency ratio 30.92% above tier (higher cost structure)
- - Member decline: -7.3% YoY
- - Loan Growth Rate: Bottom 1.6% in tier
- - Loan-to-Share Ratio: Bottom 2.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.5% in tier
- - Asset Growth Rate: Bottom 6.1% in tier
- - Deposit Growth Rate: Bottom 8.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -9.3% year over year ($9.8M in shares and deposits).
- Membership: 1,418 members, -7.3% vs a year ago.
- Delinquency rate 0.84%.
- Return on assets 0.76%.
- Efficiency ratio 119.69% vs a 88.77% peer average.
- Loan-to-share ratio 13.54% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,418
-7.3% YoY-2.7% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$11.2M
-9.3% YoY-3.0% QoQ
|
$-19.1M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
34% |
| Loans |
$1.3M
-36.8% YoY-15.1% QoQ
|
$-14.1M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.7% in tier |
| Deposits |
$9.8M
-9.3% YoY-3.3% QoQ
|
$-16.0M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
35% |
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| ROA |
0.8%
+767.2% YoY-190.7% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
3.4%
-10.8% YoY+1.5% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
29% |
| Efficiency Ratio |
119.7%
+24.7% YoY-1.9% QoQ
|
+30.9% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate |
0.8%
-0.0% YoY+9.1% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
13.5%
-30.3% YoY-12.2% QoQ
|
-45.4% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.6% in tier |
| AMR |
$7,815
-7.0% YoY-2.3% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
4.4%
+11.5% YoY+3.2% QoQ
|
-20.1% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)