BlastPoint's Credit Union Scorecard
TEAM FINANCIAL
Charter #20147 · TX
TEAM FINANCIAL has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.54% above tier average
- + AMR Growth Rate: Top 5.1% in tier
- + Deposit Growth Rate: Top 8.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 38.38% below tier average
- - Delinquency rate 1.69% above tier average
- - Member decline: -10.6% YoY
- - Efficiency Ratio: Bottom 0.0% in tier
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Fee Income Per Member: Bottom 0.0% in tier
- - Net Worth Ratio: Bottom 0.0% in tier
- - Asset Growth Rate: Bottom 1.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
982
-10.6% YoY-2.2% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
27,449
+3.6% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$4.3M
-16.1% YoY-15.2% QoQ
|
$-25.6M |
$29.9M
+1.1% YoY
|
$419.1M
+5.7% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$3.2M
-9.8% YoY-3.1% QoQ
|
$-12.6M |
$15.8M
-2.4% YoY
|
$301.6M
+4.9% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$5.2M
+10.4% YoY+11.3% QoQ
|
$-20.3M |
$25.5M
+0.4% YoY
|
$348.4M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
24% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-37.7%
-16343.0% YoY
|
-38.4% |
0.7%
-731.4% YoY
|
0.5%
-23.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.1% in tier |
| NIM |
5.5%
-0.9% YoY+7.2% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 7.5% in tier |
| Efficiency Ratio | - | - |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
- |
| Delinquency Rate |
3.2%
+65.8% YoY+78.7% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.2%
+20.5% YoY
|
1.2%
-0.9% YoY
|
Bottom 11.0% in tier |
| Loan To Share |
62.1%
-18.3% YoY-12.9% QoQ
|
+0.8% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
51% |
| AMR |
$8,525
+13.8% YoY+7.6% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$17,529
+1.2% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
13.5%
-25.4% YoY-17.2% QoQ
|
-10.9% |
24.4%
+4.2% YoY
|
20.9%
+7.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+0.2% YoY
|
7.9%
-2.9% YoY
|
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)