BlastPoint's Credit Union Scorecard
ILA 28
Charter #19983 · TX
ILA 28 has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.97% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + AMR Growth Rate: Top 2.4% in tier
- + Net Charge-Off Rate: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Member decline: -16.0% YoY
- - Member Growth Rate: Bottom 2.7% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +5.5% year over year ($8.2M in shares and deposits).
- Membership: 897 members, -16.0% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.78%.
- Efficiency ratio 76.60% vs a 88.77% peer average.
- Loan-to-share ratio 78.08% vs a 58.89% 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 |
897
-16.0% YoY-14.1% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$10.4M
+5.0% YoY-0.7% QoQ
|
$-19.8M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
32% |
| Loans |
$6.4M
-0.3% YoY-1.0% QoQ
|
$-9.1M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$8.2M
+5.5% YoY-1.4% QoQ
|
$-17.6M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
0.8%
+1.7% YoY+313.1% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
4.9%
+9.4% YoY+10.2% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 13.9% in tier |
| Efficiency Ratio |
76.6%
-7.5% YoY-20.1% QoQ
|
-12.2% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
78.1%
-5.5% YoY+0.3% QoQ
|
+19.2% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$16,232
+22.5% YoY+15.0% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
32.7%
+20.4% YoY+15.6% QoQ
|
+8.2% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)