BlastPoint's Credit Union Scorecard
PEAR ORCHARD
Charter #17105 · TX
PEAR ORCHARD 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 0.09% below tier average
- - Efficiency ratio 3.30% above tier (higher cost structure)
- - Delinquency rate 34.91% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 1.8% in tier
- - Loan Growth Rate: Bottom 1.8% in tier
- - Total Assets: Bottom 4.7% in tier
- - Total Deposits: Bottom 5.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
315
0% YoY0% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 8.3% in tier |
| Assets |
$889,787
-6.5% YoY-0.2% QoQ
|
$-29.3M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.6% in tier |
| Loans |
$379,261
-34.1% YoY-8.7% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.3% in tier |
| Deposits |
$676,671
-8.6% YoY-0.2% QoQ
|
$-25.1M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.0% in tier |
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| ROA |
0.1%
-88.0% YoY-90.7% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
23% |
| NIM |
3.0%
-23.0% YoY-24.4% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
17% |
| Efficiency Ratio |
93.9%
+9.6% YoY+13.6% QoQ
|
+3.3% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
76% |
| Delinquency Rate |
36.4%
+34.2% YoY+12.4% QoQ
|
+34.9 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.7% in tier |
| Loan To Share |
56.0%
-27.8% YoY-8.5% QoQ
|
-2.5% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$3,352
-19.7% YoY-3.5% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.1% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)