BlastPoint's Credit Union Scorecard

EVOLVE

Charter #1792 · TX

1077 CUs in 100M-500M nationally 79 in TX

EVOLVE has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 19.5% in tier
+ Relationship Depth Leader: Top 98.4% in tier
+ Total Delinquency Rate (60+ days): Top 5.5% in tier
+ Fee Income Per Member: Top 5.8% in tier
+ Average Member Relationship (AMR): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 3.3% in tier
- Credit Quality Pressure: Bottom 19.9% in tier
- Membership Headwinds: Bottom 20.2% in tier
- Stagnation Risk: Bottom 26.7% in tier
- ROA 0.94% below tier average
- Efficiency ratio 19.96% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 2.5% in tier
- Net Interest Margin (NIM): Bottom 6.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	14,384 -1.9% YoY-0.9% QoQ	-1.2K	15,628 -3.4% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	54%
Assets	$321.5M -1.0% YoY-0.1% QoQ	+$90.2M	$231.3M -0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	77%
Loans	$211.3M -0.1% YoY-0.1% QoQ	+$63.5M	$147.8M -1.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	78%
Deposits	$283.6M -1.3% YoY-0.2% QoQ	+$83.3M	$200.3M -0.0% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	78%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1% -689.7% YoY+86.1% QoQ	-0.9%	0.8% +15.5% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	Bottom 5.3% in tier
NIM	2.5% +0.3% YoY+1.6% QoQ	-1.1%	3.6% +6.9% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	Bottom 6.0% in tier
Efficiency Ratio	97.2% +3.0% YoY+0.8% QoQ	+20.0%	77.3% -3.0% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	Top 3.7% in tier
Delinquency Rate	0.1% +858.8% YoY+17.4% QoQ	-0.8	0.9% +7.6% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	Bottom 5.5% in tier
Loan To Share	74.5% +1.2% YoY+0.1% QoQ	+1.8%	72.7% -1.5% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	51%
AMR	$34,402 +1.2% YoY+0.7% QoQ	+$10K	$24,363 +2.9% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	Top 9.6% in tier
CD Concentration	20.8% +17.5% YoY+3.7% QoQ	-3.6%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	1.0% -56.6% YoY-18.2% QoQ	-13.0%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Credit Quality Leader

growth

#67 of 340 • Top 19.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.11%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#253 of 257 • Top 98.4% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.16%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $5.2K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#59 of 521 • Bottom 3.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 97.24%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.17% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.93%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#493 of 736 • Bottom 19.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline

#334 of 550 • Bottom 20.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.93%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk

#440 of 550 • Bottom 26.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.93%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.12%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.11%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Avg: -

#60 of 1077 Top 5.5% in 100M-500M tier

Fee Income Per Member

profitability

Value: $294.73

Peer Avg: -

#63 of 1077 Top 5.8% in 100M-500M tier

103

Average Member Relationship (AMR)

engagement

Value: $34,402

Peer Avg: -

#103 of 1077 Top 9.5% in 100M-500M tier

125

Loan-to-Member Ratio (LMR)

engagement

Value: $14,689

Peer Avg: -

#125 of 1077 Top 11.5% in 100M-500M tier

233

Total Deposits

balance_sheet

Value: $283.56M

Peer Avg: -

#233 of 1077 Top 21.5% in 100M-500M tier

237

Total Loans

balance_sheet

Value: $211.28M

Peer Avg: -

#237 of 1077 Top 21.9% in 100M-500M tier

251

Total Assets

balance_sheet

Value: $321.51M

Peer Avg: -

#251 of 1077 Top 23.2% in 100M-500M tier

Top Weaknesses (7 metrics)

1051

Members Per Employee (MPE)

engagement

Value: 186.805

Peer Avg: -

#1051 of 1077 Bottom 2.5% in 100M-500M tier

1038

Efficiency Ratio

profitability

Value: 97.24%

Peer Avg: -

#1038 of 1077 Bottom 3.7% in 100M-500M tier

1020

Return on Assets (ROA)

profitability

Value: -0.15%

Peer Avg: -

#1020 of 1077 Bottom 5.4% in 100M-500M tier

1012

Net Interest Margin (NIM)

profitability

Value: 2.51%

Peer Avg: -

#1012 of 1077 Bottom 6.1% in 100M-500M tier

952

Deposit Growth Rate

growth

Value: -1.29%

Peer Avg: -

#952 of 1077 Bottom 11.7% in 100M-500M tier

930

Asset Growth Rate

growth

Value: -1.04%

Peer Avg: -

#930 of 1077 Bottom 13.7% in 100M-500M tier

908

First Mortgage Concentration (%)

balance_sheet

Value: 47.97%

Peer Avg: -

#908 of 1077 Bottom 15.8% in 100M-500M tier