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
- - Efficiency ratio 0.15% above tier (higher cost structure)
- - Delinquency rate 30.84% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 2.0% in tier
- - Loan Growth Rate: Bottom 2.5% in tier
- - Total Assets: Bottom 4.7% in tier
- - Total Deposits: Bottom 4.9% in tier
- - Average Member Relationship (AMR): Bottom 5.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
315
+0.3% YoY-45.9% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 8.3% in tier |
| Assets |
$891,851
-7.7% YoY-0.1% QoQ
|
$-29.3M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.7% in tier |
| Loans |
$415,579
-29.3% YoY-5.9% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.4% in tier |
| Deposits |
$678,265
-10.4% YoY+0.3% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.9% in tier |
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| ROA |
0.6%
-187.2% YoY-14.0% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
3.9%
-12.0% YoY-4.2% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
82.7%
+18.3% YoY+1.6% QoQ
|
+0.2% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
32.4%
+78.6% YoY+4.1% QoQ
|
+30.8 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.7% in tier |
| Loan To Share |
61.3%
-21.1% YoY-6.3% QoQ
|
+0.7% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$3,473
-18.9% YoY+80.8% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.0% in tier |
| CD Concentration | 0.0% | -24.4% | 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)