BlastPoint's Credit Union Scorecard
ROCKDALE
Charter #19926 · TX
ROCKDALE has 8 strengths but faces 3 concerns
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 0.55% above tier average
- + Net Interest Margin 0.15% above tier average
- + Strong member growth: 5.0% YoY
- + Net Charge-Off Rate: Top 3.8% in tier
- + Loan Growth Rate: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Total Assets: Bottom 5.9% in tier
- - Total Loans: Bottom 8.0% in tier
- - Total Deposits: Bottom 8.6% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
- Shares and deposits +5.1% year over year ($96.9M in shares and deposits).
- Membership: 8,303 members, +5.0% vs a year ago.
- Delinquency rate 0.08%.
- Return on assets 1.42%.
- Efficiency ratio 70.53% vs a 76.73% peer average.
- Loan-to-share ratio 56.50% vs a 71.54% 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 |
8,303
+5.0% YoY+1.1% QoQ
|
-6.9K |
15,168
-2.6% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$108.2M
+5.6% YoY+0.0% QoQ
|
$-123.8M |
$232.0M
+0.7% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.8% in tier |
| Loans |
$54.8M
+17.9% YoY+3.4% QoQ
|
$-91.5M |
$146.3M
+0.2% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.9% in tier |
| Deposits |
$96.9M
+5.1% YoY-0.2% QoQ
|
$-103.8M |
$200.7M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.5% in tier |
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| ROA |
1.4%
+26.1% YoY+5.1% QoQ
|
+0.6% |
0.9%
+12.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
85% |
| NIM |
3.8%
+5.2% YoY+2.7% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
70.5%
-2.5% YoY-1.1% QoQ
|
-6.2% |
76.7%
-0.8% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
0.1%
-25.0% YoY+35.7% QoQ
|
-0.8 |
0.9%
+6.6% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 4.5% in tier |
| Loan To Share |
56.5%
+12.2% YoY+3.6% QoQ
|
-15.0% |
71.5%
-0.3% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
20% |
| AMR |
$18,268
+4.1% YoY-0.0% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
19.3%
+2.6% YoY+4.6% QoQ
|
-5.3% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)