BlastPoint's Credit Union Scorecard
LUFKIN
Charter #16351 · TX
LUFKIN demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.59% above tier average
- + Net Interest Margin 0.72% above tier average
- + Net Worth Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,065
+3.0% YoY+0.5% QoQ
|
+2.4K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 13.2% in tier |
| Assets |
$46.1M
+4.7% YoY+2.3% QoQ
|
+$16.0M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$18.2M
+0.3% YoY-1.9% QoQ
|
+$2.4M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$33.7M
+3.3% YoY+1.8% QoQ
|
+$8.0M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
2.2%
-15.6% YoY-2.4% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 4.9% in tier |
| NIM |
4.7%
-4.2% YoY-1.0% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
63.6%
+11.2% YoY+1.0% QoQ
|
-18.9% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.0%
-95.7% YoY-87.9% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
54.0%
-2.9% YoY-3.6% QoQ
|
-6.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$10,248
-0.8% YoY+0.0% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
2.1%
+19.2% YoY+20.4% QoQ
|
-22.3% | 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)