BlastPoint's Credit Union Scorecard
SHELL
Charter #1941 · TX
SHELL has 7 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 1.2% in tier
- + Organic Growth Leader: Top 30.5% in tier
- + ROA 0.57% above tier average
- + Net Interest Margin 1.38% above tier average
- + Strong member growth: 5.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 79.8% in tier
- - Credit Quality Pressure: Bottom 85.2% in tier
- - Liquidity Strain: Bottom 86.1% in tier
- - Delinquency rate 0.06% above tier average
- - Average Member Relationship (AMR): Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
162,417
+5.4% YoY+1.4% QoQ
|
+65.0K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 7.9% in tier |
| Assets |
$2.0B
+8.4% YoY+3.0% QoQ
|
+$240.1M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$1.5B
+6.4% YoY+1.7% QoQ
|
+$285.3M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$1.7B
+9.7% YoY+3.1% QoQ
|
+$214.6M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
1.2%
-3.2% YoY+7.9% QoQ
|
+0.6% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 10.9% in tier |
| NIM |
4.7%
+4.4% YoY+0.5% QoQ
|
+1.4% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 1.7% in tier |
| Efficiency Ratio |
69.2%
-0.2% YoY-3.0% QoQ
|
-4.9% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
1.0%
+5.1% YoY+6.3% QoQ
|
+0.1 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
90.8%
-3.0% YoY-1.4% QoQ
|
+6.0% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$19,663
+2.5% YoY+0.9% QoQ
|
$-10K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.3% in tier |
| CD Concentration |
29.7%
+13.6% YoY+1.1% QoQ
|
+0.7% | 29.0% | 21.2% | 19.8% | 55% |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 7.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)