BlastPoint's Credit Union Scorecard
ILA 28
Charter #19983 · TX
ILA 28 demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 0.78% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Deposit Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,078
+0.1% YoY-0.6% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$10.4M
+8.7% YoY+5.7% QoQ
|
$-19.7M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$6.5M
-1.1% YoY+1.0% QoQ
|
$-9.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$8.2M
+10.3% YoY+7.5% QoQ
|
$-17.5M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
0.7%
+28.5% YoY-27.7% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
4.7%
+11.6% YoY+2.7% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
76.2%
-11.9% YoY-2.2% QoQ
|
-6.3% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
79.4%
-10.4% YoY-6.0% QoQ
|
+18.8% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$13,606
+4.9% YoY+5.2% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
27.4%
+15.8% YoY-7.3% QoQ
|
+3.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)