BlastPoint's Credit Union Scorecard
PEAR ORCHARD
Charter #17105 · TX
2596 CUs in <100M nationally
245 in TX
PEAR ORCHARD has 7 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.00% above tier average
- + Net Interest Margin 0.15% above tier average
- + Strong member growth: 83.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.01% above tier (higher cost structure)
- - Delinquency rate 29.62% above tier average
- - AMR Growth Rate: Bottom 0.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.8% in tier
- - Deposit Growth Rate: Bottom 2.1% in tier
- - Loan Growth Rate: Bottom 2.6% in tier
- - Average Member Relationship (AMR): Bottom 2.8% in tier
- - Asset Growth Rate: Bottom 3.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.9% in tier
- - Total Assets: Bottom 5.0% in tier
- - Total Deposits: Bottom 5.2% in tier
- - Total Loans: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
582
+83.6% YoY+84.8% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$892,602
-12.8% YoY-5.4% QoQ
|
$-29.0M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.9% in tier |
| Loans |
$441,809
-29.4% YoY-14.4% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.8% in tier |
| Deposits |
$675,944
-16.8% YoY-7.1% QoQ
|
$-24.8M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.1% in tier |
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| ROA |
0.7%
-159.9% YoY+4.4% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
4.1%
-6.2% YoY+2.1% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
81.4%
+17.8% YoY-0.4% QoQ
|
+0.0% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
57% |
| Delinquency Rate |
31.1%
+70.5% YoY+12.0% QoQ
|
+29.6 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 0.8% in tier |
| Loan To Share |
65.4%
-15.1% YoY-7.9% QoQ
|
+4.1% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$1,921
-57.7% YoY-51.3% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
8
Member Growth Rate
growth
Value:
83.60%
Peer Avg: -
#8 of 2596
Top 0.3% in <100M tier
337
Net Worth Ratio
risk
Value:
23.63%
Peer Avg: -
#337 of 2596
Top 12.9% in <100M tier
Top Weaknesses (12 metrics)
2578
AMR Growth Rate
growth
Value:
-57.68%
Peer Avg: -
#2578 of 2596
Bottom 0.7% in <100M tier
2576
Total Delinquency Rate (60+ days)
risk
Value:
31.13%
Peer Avg: -
#2576 of 2596
Bottom 0.8% in <100M tier
2542
Deposit Growth Rate
growth
Value:
-16.85%
Peer Avg: -
#2542 of 2596
Bottom 2.1% in <100M tier
2530
Loan Growth Rate
growth
Value:
-29.37%
Peer Avg: -
#2530 of 2596
Bottom 2.6% in <100M tier
2524
Average Member Relationship (AMR)
engagement
Value:
$1,921
Peer Avg: -
#2524 of 2596
Bottom 2.8% in <100M tier
2516
Asset Growth Rate
growth
Value:
-12.76%
Peer Avg: -
#2516 of 2596
Bottom 3.1% in <100M tier
2469
Loan-to-Member Ratio (LMR)
engagement
Value:
$759.12
Peer Avg: -
#2469 of 2596
Bottom 4.9% in <100M tier
2468
Total Assets
balance_sheet
Value:
$892,602
Peer Avg: -
#2468 of 2596
Bottom 5.0% in <100M tier
2463
Total Deposits
balance_sheet
Value:
$675,944
Peer Avg: -
#2463 of 2596
Bottom 5.2% in <100M tier
2419
Total Loans
balance_sheet
Value:
$441,809
Peer Avg: -
#2419 of 2596
Bottom 6.9% in <100M tier