BlastPoint's Credit Union Scorecard
MUSICIANS
Charter #17361 · TX
MUSICIANS has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 5.1% YoY
- + Member Growth Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Delinquency rate 2.38% above tier average
- - Total Assets: Bottom 3.7% in tier
- - Total Deposits: Bottom 3.8% in tier
- - Total Members: Bottom 4.1% in tier
- - AMR Growth Rate: Bottom 4.3% in tier
- - Deposit Growth Rate: Bottom 4.4% in tier
- - Total Loans: Bottom 6.2% 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 -13.0% year over year ($493K in shares and deposits).
- Membership: 184 members, +5.1% vs a year ago.
- Delinquency rate 3.92%.
- Return on assets 1.29%.
- Efficiency ratio 65.87% vs a 88.77% peer average.
- Loan-to-share ratio 76.20% 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 |
184
+5.1% YoY-1.1% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Bottom 4.0% in tier |
| Assets |
$643,376
-5.1% YoY+7.4% QoQ
|
$-29.6M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.6% in tier |
| Loans |
$375,562
-5.3% YoY+2.7% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.2% in tier |
| Deposits |
$492,841
-13.0% YoY+1.6% QoQ
|
$-25.3M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.8% in tier |
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| ROA |
1.3%
+28.5% YoY
|
-0.2% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
73% |
| NIM |
3.5%
-13.8% YoY-6.5% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
65.9%
-13.8% YoY-34.2% QoQ
|
-22.9% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
19% |
| Delinquency Rate |
3.9%
+789.1% YoY+67.7% QoQ
|
+2.4 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.1% in tier |
| Loan To Share |
76.2%
+8.9% YoY+1.0% QoQ
|
+17.3% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$4,720
-14.2% YoY+3.2% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.1% 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)