BlastPoint's Credit Union Scorecard

ROCKDALE

Charter #19926 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

ROCKDALE has 8 strengths but faces 4 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

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.62% above tier average
+ Net Interest Margin 0.11% above tier average
+ Strong member growth: 5.4% YoY
+ Total Delinquency Rate (60+ days): Top 3.5% in tier
+ Loan Growth Rate: Top 5.7% in tier

Key Concerns

Areas that may need attention

- Total Assets: Bottom 5.9% in tier
- Total Loans: Bottom 7.5% in tier
- Total Deposits: Bottom 8.8% in tier
- First Mortgage Concentration (%): Bottom 9.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	8,211 +5.4% YoY+1.4% QoQ	-6.9K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	20%
Assets	$108.2M +4.6% YoY+3.3% QoQ	$-123.5M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Bottom 5.8% in tier
Loans	$52.9M +16.0% YoY+3.8% QoQ	$-91.2M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Bottom 7.4% in tier
Deposits	$97.1M +3.7% YoY+3.2% QoQ	$-104.1M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Bottom 8.7% in tier

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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	1.3% +21.1% YoY+11.7% QoQ	+0.6%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	85%
NIM	3.7% +4.4% YoY+1.2% QoQ	+0.1%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	71.3% -2.7% YoY-0.8% QoQ	-6.7%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	27%
Delinquency Rate	0.1% -44.0% YoY-40.1% QoQ	-0.7	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Top 3.5% in tier
Loan To Share	54.5% +11.9% YoY+0.5% QoQ	-15.9%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	17%
AMR	$18,271 +2.2% YoY+2.0% QoQ	$-7K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	22%
CD Concentration	18.4% +4.1% YoY-2.5% QoQ	-5.9%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#8 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.35%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.35%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#23 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.35%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 5.35%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Organic Growth Leader

growth

#69 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.35%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (0)

No concerns identified

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 1070 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Median: 0.61%

#38 of 1070 Top 3.5% in 100M-500M tier

Loan Growth Rate

growth

Value: 16.01%

Peer Median: 2.93%

#62 of 1070 Top 5.7% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: 0.35%

#93 of 1070 Top 8.6% in 100M-500M tier

Member Growth Rate

growth

Value: 5.35%

Peer Median: -0.06%

#99 of 1070 Top 9.2% in 100M-500M tier

164

Return on Assets (ROA)

profitability

Value: 1.35%

Peer Median: 0.69%

#164 of 1070 Top 15.2% in 100M-500M tier

191

Members Per Employee (MPE)

engagement

Value: 410.550

Peer Median: 309.176

#191 of 1070 Top 17.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1008

Total Assets

balance_sheet

Value: $108.18M

Peer Median: $196.57M

#1008 of 1070 Bottom 5.9% in 100M-500M tier

991

Total Loans

balance_sheet

Value: $52.94M

Peer Median: $121.41M

#991 of 1070 Bottom 7.5% in 100M-500M tier

977

Total Deposits

balance_sheet

Value: $97.08M

Peer Median: $171.29M

#977 of 1070 Bottom 8.8% in 100M-500M tier

967

First Mortgage Concentration (%)

balance_sheet

Value: 54.37%

Peer Median: 29.47%

#967 of 1070 Bottom 9.7% in 100M-500M tier

887

Loan-to-Share Ratio

balance_sheet

Value: 54.53%

Peer Median: 71.88%

#887 of 1070 Bottom 17.2% in 100M-500M tier

884

Loan-to-Member Ratio (LMR)

engagement

Value: $6,448

Peer Median: $9,356

#884 of 1070 Bottom 17.5% in 100M-500M tier

859

Total Members

engagement

Value: 8,211

Peer Median: 13,200

#859 of 1070 Bottom 19.8% in 100M-500M tier

840

Average Member Relationship (AMR)

engagement

Value: $18,271

Peer Median: $22,931

#840 of 1070 Bottom 21.6% in 100M-500M tier