BlastPoint's Credit Union Scorecard
S.T.E.C.
Charter #18816 · TX
S.T.E.C. has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 3.5% in tier
- + Net Worth Ratio: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
686
-1.9% YoY-0.7% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
19% |
| Assets |
$5.6M
-2.3% YoY+1.3% QoQ
|
$-24.6M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
21% |
| Loans |
$3.8M
-13.1% YoY-2.8% QoQ
|
$-11.4M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$3.9M
-4.8% YoY+2.3% QoQ
|
$-21.9M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
-0.5%
-137.1% YoY-128.8% QoQ
|
-0.7% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.0% in tier |
| NIM |
3.9%
-2.5% YoY-5.6% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
73.4%
+11.6% YoY+21.0% QoQ
|
-17.2% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
32% |
| Delinquency Rate |
0.9%
+64.7% YoY+126.4% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
98.9%
-8.7% YoY-5.0% QoQ
|
+40.4% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 3.6% in tier |
| AMR |
$11,232
-7.4% YoY+0.4% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
34% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)