BlastPoint's Credit Union Scorecard
AUSTIN
Charter #17955 · TX
AUSTIN has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.07% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.94% below tier average
- - Loan Growth Rate: Bottom 7.0% in tier
- - Indirect Auto Concentration (%): Bottom 7.8% 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 +2.2% year over year ($34.6M in shares and deposits).
- Membership: 2,667 members, +2.1% vs a year ago.
- Delinquency rate 1.40%.
- Return on assets 0.56%.
- Efficiency ratio 83.98% vs a 88.77% peer average.
- Loan-to-share ratio 47.22% 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 |
2,667
+2.1% YoY+6.8% QoQ
|
+81 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
63% |
| Assets |
$38.4M
+2.4% YoY-2.1% QoQ
|
+$8.2M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$16.4M
-19.6% YoY-6.3% QoQ
|
+$903K |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$34.6M
+2.2% YoY-2.4% QoQ
|
+$8.8M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
69% |
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| ROA |
0.6%
+58.6% YoY-11.1% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
4.0%
-5.0% YoY+2.5% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
84.0%
-0.6% YoY+2.1% QoQ
|
-4.8% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
1.4%
+72.7% YoY+103.9% QoQ
|
-0.1 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
47.2%
-21.3% YoY-4.0% QoQ
|
-11.7% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$19,126
-7.9% YoY-9.8% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
0.2%
-2.0% YoY+2.5% QoQ
|
-24.4% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
11.8%
-34.4% YoY-7.9% QoQ
|
-1.8% | 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)