BlastPoint's Credit Union Scorecard
BROWNSVILLE CITY EMPLOYEES
Charter #20392 · TX
2556 CUs in <100M nationally
243 in TX
BROWNSVILLE CITY EMPLOYEES has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.47% above tier average
- + Net Interest Margin 1.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 4.2% in tier
- + Member Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 3.4% in tier
- - Average Member Relationship (AMR): Bottom 8.5% in tier
- - Loan Growth Rate: Bottom 9.4% in tier
- - Deposit Growth Rate: Bottom 10.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,414
+4.0% YoY+1.9% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$6.6M
-4.6% YoY-5.8% QoQ
|
$-23.6M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$2.5M
-15.6% YoY-4.4% QoQ
|
$-13.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$4.3M
-8.3% YoY-8.9% QoQ
|
$-21.4M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
1.1%
-45.6% YoY+3.4% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
5.2%
-4.3% YoY+3.4% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 11.3% in tier |
| Efficiency Ratio |
72.9%
+15.5% YoY-1.9% QoQ
|
-9.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.4%
-27.7% YoY-47.6% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
57.1%
-8.0% YoY+4.9% QoQ
|
-3.5% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$4,795
-14.5% YoY-9.0% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.5% in tier |
| CD Concentration | 0.0% | -24.4% | 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 (7 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
109
Net Worth Ratio
risk
Value:
33.11%
Peer Median: -
#109 of 2556
Top 4.2% in <100M tier
195
Member Growth Rate
growth
Value:
4.05%
Peer Median: -
#195 of 2556
Top 7.6% in <100M tier
290
Net Interest Margin (NIM)
profitability
Value:
5.15%
Peer Median: -
#290 of 2556
Top 11.3% in <100M tier
452
Members Per Employee (MPE)
engagement
Value:
471.333
Peer Median: -
#452 of 2556
Top 17.6% in <100M tier
Top Weaknesses (11 metrics)
2470
AMR Growth Rate
growth
Value:
-14.54%
Peer Median: -
#2470 of 2556
Bottom 3.4% in <100M tier
2339
Average Member Relationship (AMR)
engagement
Value:
$4,795
Peer Median: -
#2339 of 2556
Bottom 8.5% in <100M tier
2316
Loan Growth Rate
growth
Value:
-15.62%
Peer Median: -
#2316 of 2556
Bottom 9.4% in <100M tier
2302
Deposit Growth Rate
growth
Value:
-8.27%
Peer Median: -
#2302 of 2556
Bottom 10.0% in <100M tier
2293
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,742
Peer Median: -
#2293 of 2556
Bottom 10.3% in <100M tier
2197
Net Charge-Off Rate
risk
Value:
1.13%
Peer Median: -
#2197 of 2556
Bottom 14.1% in <100M tier
2175
Asset Growth Rate
growth
Value:
-4.59%
Peer Median: -
#2175 of 2556
Bottom 14.9% in <100M tier
2059
Fee Income Per Member
profitability
Value:
$11.79
Peer Median: -
#2059 of 2556
Bottom 19.5% in <100M tier
2038
Total Deposits
balance_sheet
Value:
$4.32M
Peer Median: -
#2038 of 2556
Bottom 20.3% in <100M tier
2030
Total Loans
balance_sheet
Value:
$2.46M
Peer Median: -
#2030 of 2556
Bottom 20.6% in <100M tier