BlastPoint's Credit Union Scorecard
FRIO COUNTY
Charter #20267 · TX
2556 CUs in <100M nationally
243 in TX
FRIO COUNTY has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.2% in tier
- + Net Worth Ratio: Top 2.7% in tier
- + Members Per Employee (MPE): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.85% below tier average
- - Efficiency ratio 3.57% above tier (higher cost structure)
- - Delinquency rate 1.26% above tier average
- - Member decline: -7.0% YoY
- - Deposit Growth Rate: Bottom 1.3% in tier
- - Share Certificate Concentration (%): Bottom 1.5% in tier
- - Asset Growth Rate: Bottom 1.8% in tier
- - AMR Growth Rate: Bottom 5.3% in tier
- - Average Member Relationship (AMR): Bottom 8.0% in tier
- - Member Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,668
-7.0% YoY+0.2% QoQ
|
-947 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$5.4M
-15.1% YoY-0.2% QoQ
|
$-24.8M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$4.4M
-12.5% YoY+1.5% QoQ
|
$-11.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
31% |
| Deposits |
$3.3M
-22.8% YoY-1.2% QoQ
|
$-22.4M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
-0.2%
-122.5% YoY-82.7% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.0% in tier |
| NIM |
7.2%
+24.6% YoY+0.4% QoQ
|
+3.2% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 1.0% in tier |
| Efficiency Ratio |
86.1%
+3.3% YoY-9.4% QoQ
|
+3.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
2.8%
+205.3% YoY+118.6% QoQ
|
+1.3 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 14.0% in tier |
| Loan To Share |
135.0%
+13.3% YoY+2.7% QoQ
|
+74.3% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 0.3% in tier |
| AMR |
$4,640
-11.0% YoY+0.1% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.9% in tier |
| CD Concentration |
59.3%
-1.9% YoY+2.3% QoQ
|
+34.9% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
5
Loan-to-Share Ratio
balance_sheet
Value:
134.96%
Peer Median: -
#5 of 2556
Top 0.2% in <100M tier
25
Net Interest Margin (NIM)
profitability
Value:
7.18%
Peer Median: -
#25 of 2556
Top 0.9% in <100M tier
71
Net Worth Ratio
risk
Value:
38.19%
Peer Median: -
#71 of 2556
Top 2.7% in <100M tier
254
Members Per Employee (MPE)
engagement
Value:
556.000
Peer Median: -
#254 of 2556
Top 9.9% in <100M tier
Top Weaknesses (13 metrics)
2523
Deposit Growth Rate
growth
Value:
-22.79%
Peer Median: -
#2523 of 2556
Bottom 1.3% in <100M tier
2519
Share Certificate Concentration (%)
balance_sheet
Value:
59.29%
Peer Median: -
#2519 of 2556
Bottom 1.5% in <100M tier
2510
Asset Growth Rate
growth
Value:
-15.11%
Peer Median: -
#2510 of 2556
Bottom 1.8% in <100M tier
2421
AMR Growth Rate
growth
Value:
-11.00%
Peer Median: -
#2421 of 2556
Bottom 5.3% in <100M tier
2353
Average Member Relationship (AMR)
engagement
Value:
$4,640
Peer Median: -
#2353 of 2556
Bottom 8.0% in <100M tier
2305
Member Growth Rate
growth
Value:
-6.97%
Peer Median: -
#2305 of 2556
Bottom 9.9% in <100M tier
2249
Return on Assets (ROA)
profitability
Value:
-0.23%
Peer Median: -
#2249 of 2556
Bottom 12.1% in <100M tier
2198
Total Delinquency Rate (60+ days)
risk
Value:
2.81%
Peer Median: -
#2198 of 2556
Bottom 14.0% in <100M tier
2178
Loan Growth Rate
growth
Value:
-12.53%
Peer Median: -
#2178 of 2556
Bottom 14.8% in <100M tier
2127
Total Deposits
balance_sheet
Value:
$3.29M
Peer Median: -
#2127 of 2556
Bottom 16.8% in <100M tier