BlastPoint's Credit Union Scorecard
SEMINOLE PUBLIC SCHOOLS
Charter #17154 · TX
SEMINOLE PUBLIC SCHOOLS faces 6 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 1.47% below tier average
- - Efficiency ratio 10.51% above tier (higher cost structure)
- - Delinquency rate 2.83% above tier average
- - Member decline: -2.9% YoY
- - Fee Income Per Member: Bottom 4.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.9% 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 -1.8% year over year ($5.7M in shares and deposits).
- Membership: 710 members, -2.9% vs a year ago.
- Delinquency rate 4.37%.
- Return on assets 0.02%.
- Efficiency ratio 99.27% vs a 88.77% peer average.
- Loan-to-share ratio 44.11% 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 |
710
-2.9% YoY-4.6% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$7.4M
-2.3% YoY-2.9% QoQ
|
$-22.9M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$2.5M
-5.4% YoY-0.2% QoQ
|
$-12.9M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
21% |
| Deposits |
$5.7M
-1.8% YoY-3.8% QoQ
|
$-20.1M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.0%
-70.4% YoY
|
-1.5% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.6% in tier |
| NIM |
3.2%
+2.4% YoY+2.4% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
99.3%
+18.2% YoY+0.0% QoQ
|
+10.5% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 14.1% in tier |
| Delinquency Rate |
4.4%
-22.3% YoY-13.8% QoQ
|
+2.8 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.9% in tier |
| Loan To Share |
44.1%
-3.7% YoY+3.7% QoQ
|
-14.8% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$11,572
-0.1% YoY+2.0% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
36% |
| 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)