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 1.17% below tier average
- - Delinquency rate 32.85% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.5% in tier
- - Total Assets: Bottom 4.6% in tier
- - Total Deposits: Bottom 4.8% in tier
- - Average Member Relationship (AMR): Bottom 5.0% in tier
- - AMR Growth Rate: Bottom 5.0% in tier
- - Loan Growth Rate: Bottom 5.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -6.8% year over year ($678K in shares and deposits).
- Membership: 315 members, +0.0% vs a year ago.
- Delinquency rate 34.39%.
- Return on assets 0.32%.
- Efficiency ratio 86.00% vs a 88.77% peer average.
- Loan-to-share ratio 60.07% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
315
0% YoY0% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Bottom 8.3% in tier |
| Assets |
$893,305
-5.3% YoY+0.4% QoQ
|
$-29.4M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.5% in tier |
| Loans |
$407,235
-21.1% YoY+7.4% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.5% in tier |
| Deposits |
$677,924
-6.8% YoY+0.2% QoQ
|
$-25.1M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 4.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-51.3% YoY+481.2% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
19% |
| NIM |
3.1%
-22.0% YoY+5.6% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
21% |
| Efficiency Ratio |
86.0%
+5.2% YoY-8.4% QoQ
|
-2.8% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
63% |
| Delinquency Rate |
34.4%
+23.8% YoY-5.6% QoQ
|
+32.8 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.5% in tier |
| Loan To Share |
60.1%
-15.4% YoY+7.2% QoQ
|
+1.2% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$3,445
-12.7% YoY+2.8% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.0% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)