BlastPoint's Credit Union Scorecard
OUR MOTHER OF MERCY PARISH HOUSTON
Charter #17067 · TX
OUR MOTHER OF MERCY PARISH HOUSTON has 2 strengths but faces 6 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 2.06% below tier average
- - Efficiency ratio 56.33% above tier (higher cost structure)
- - Delinquency rate 0.17% above tier average
- - Member decline: -12.4% YoY
- - Member Growth Rate: Bottom 3.8% in tier
- - Asset Growth Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
446
-12.4% YoY-3.5% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 12.3% in tier |
| Assets |
$2.8M
-9.0% YoY-1.6% QoQ
|
$-27.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.1% in tier |
| Loans |
$1.2M
-11.5% YoY-5.9% QoQ
|
$-14.5M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.9% in tier |
| Deposits |
$2.3M
-8.0% YoY+0.1% QoQ
|
$-23.4M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.7% in tier |
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| ROA |
-1.4%
+411.3% YoY+8.7% QoQ
|
-2.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.3% in tier |
| NIM |
3.3%
+7.2% YoY+7.3% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
138.9%
+27.0% YoY+0.8% QoQ
|
+56.3% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 2.4% in tier |
| Delinquency Rate |
1.7%
+242.2% YoY-28.8% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
53.5%
-3.8% YoY-6.0% QoQ
|
-7.1% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$7,952
+3.5% YoY+1.4% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration |
15.4%
-40.6% YoY-5.3% QoQ
|
-9.0% | 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)