BlastPoint's Credit Union Scorecard
FRIO COUNTY
Charter #20267 · TX
<100M
2508 CUs in <100M nationally
237 in TX
FRIO COUNTY has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.68% above tier average
- + Loan-to-Share Ratio: Top 0.2% in tier
- + Net Worth Ratio: Top 3.0% in tier
- + Members Per Employee (MPE): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 3.37% below tier average
- - Efficiency ratio 8.68% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 1.2% in tier
- - Net Charge-Off Rate: Bottom 2.8% in tier
- - Average Member Relationship (AMR): Bottom 8.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,668
+1.0% YoY0% QoQ
|
-1.0K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
44% |
| Assets |
$5.3M
-3.7% YoY-0.2% QoQ
|
$-24.8M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$4.4M
-3.5% YoY-1.8% QoQ
|
$-10.9M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
31% |
| Deposits |
$3.3M
-3.8% YoY+1.7% QoQ
|
$-22.4M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
17% |
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| ROA |
-3.2%
-312.7% YoY+1293.5% QoQ
|
-3.4% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.1% in tier |
| NIM |
7.7%
-1.9% YoY+7.1% QoQ
|
+3.7% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 0.7% in tier |
| Efficiency Ratio |
99.3%
+21.8% YoY+15.3% QoQ
|
+8.7% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate |
1.3%
-42.1% YoY-55.2% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
69% |
| Loan To Share |
130.4%
+0.2% YoY-3.4% QoQ
|
+71.8% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 0.3% in tier |
| AMR |
$4,625
-4.6% YoY-0.3% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.9% in tier |
| CD Concentration |
62.0%
+7.7% YoY+4.6% QoQ
|
+37.7% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
5
Loan-to-Share Ratio
balance_sheet
Value:
130.36%
Peer Median: 58.72%
#5 of 2508
Top 0.2% in <100M tier
17
Net Interest Margin (NIM)
profitability
Value:
7.69%
Peer Median: 3.83%
#17 of 2508
Top 0.6% in <100M tier
75
Net Worth Ratio
risk
Value:
37.23%
Peer Median: 14.28%
#75 of 2508
Top 3.0% in <100M tier
250
Members Per Employee (MPE)
engagement
Value:
556.000
Peer Median: 333.750
#250 of 2508
Top 9.9% in <100M tier
591
Member Growth Rate
growth
Value:
0.97%
Peer Median: -1.37%
#591 of 2508
Top 23.5% in <100M tier
Top Weaknesses (11 metrics)
2478
Share Certificate Concentration (%)
balance_sheet
Value:
62.02%
Peer Median: 12.45%
#2478 of 2508
Bottom 1.2% in <100M tier
2438
Net Charge-Off Rate
risk
Value:
4.02%
Peer Median: 0.07%
#2438 of 2508
Bottom 2.8% in <100M tier
2430
Return on Assets (ROA)
profitability
Value:
-3.22%
Peer Median: 0.61%
#2430 of 2508
Bottom 3.1% in <100M tier
2309
Average Member Relationship (AMR)
engagement
Value:
$4,625
Peer Median: $13,926
#2309 of 2508
Bottom 8.0% in <100M tier
2093
Efficiency Ratio
profitability
Value:
99.31%
Peer Median: 81.45%
#2093 of 2508
Bottom 16.6% in <100M tier
2090
Total Deposits
balance_sheet
Value:
$3.35M
Peer Median: $18.77M
#2090 of 2508
Bottom 16.7% in <100M tier
2047
AMR Growth Rate
growth
Value:
-4.56%
Peer Median: 1.27%
#2047 of 2508
Bottom 18.4% in <100M tier
2024
Asset Growth Rate
growth
Value:
-3.69%
Peer Median: 1.30%
#2024 of 2508
Bottom 19.3% in <100M tier
2009
Total Assets
balance_sheet
Value:
$5.34M
Peer Median: $21.86M
#2009 of 2508
Bottom 19.9% in <100M tier
2005
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,617
Peer Median: $4,923
#2005 of 2508
Bottom 20.1% in <100M tier