BlastPoint's Credit Union Scorecard
EVOLVE
Charter #1792 · TX
EVOLVE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Total Delinquency Rate (60+ days): Top 2.3% in tier
- + Fee Income Per Member: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.92% below tier average
- - Efficiency ratio 21.93% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - Members Per Employee (MPE): Bottom 2.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,099
-3.5% YoY-0.9% QoQ
|
-1.0K |
15,145
-2.5% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$324.5M
+0.5% YoY+0.3% QoQ
|
+$92.7M |
$231.7M
+0.8% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
77% |
| Loans |
$205.7M
-2.4% YoY-0.9% QoQ
|
+$61.5M |
$144.1M
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
77% |
| Deposits |
$284.4M
-0.5% YoY+0.7% QoQ
|
+$83.2M |
$201.1M
+0.4% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
78% |
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| ROA |
-0.2%
+9.8% YoY-43.2% QoQ
|
-0.9% |
0.7%
+5.1% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.0% in tier |
| NIM |
2.5%
+0.0% YoY-0.4% QoQ
|
-1.1% |
3.6%
+4.6% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.7% in tier |
| Efficiency Ratio |
100.0%
+1.0% YoY-2.7% QoQ
|
+21.9% |
78.0%
-1.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.4% in tier |
| Delinquency Rate |
0.0%
-38.5% YoY-90.5% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Top 2.3% in tier |
| Loan To Share |
72.3%
-1.9% YoY-1.6% QoQ
|
+1.9% |
70.4%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$34,759
+2.3% YoY+1.0% QoQ
|
+$10K |
$24,918
+2.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 10.7% in tier |
| CD Concentration |
21.1%
+11.9% YoY-1.2% QoQ
|
-3.2% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
0.2%
-87.5% YoY-75.2% QoQ
|
-13.6% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)