BlastPoint's Credit Union Scorecard
ONE SOURCE
Charter #2115 · TX
ONE SOURCE has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.07% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 1.00% below tier average
- - Efficiency ratio 28.14% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 3.8% in tier
- - Indirect Auto Concentration (%): Bottom 4.0% in tier
- - Fee Income Per Member: Bottom 4.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,823
+1.2% YoY-0.2% QoQ
|
-4.3K |
15,145
-2.5% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
36% |
| Assets |
$125.1M
+0.8% YoY+0.0% QoQ
|
$-106.6M |
$231.7M
+0.8% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$72.2M
-7.4% YoY-4.4% QoQ
|
$-71.9M |
$144.1M
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$111.6M
+2.1% YoY+0.2% QoQ
|
$-89.5M |
$201.1M
+0.4% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
-0.3%
-415.8% QoQ
|
-1.0% |
0.7%
+5.1% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.3% in tier |
| NIM |
3.7%
+7.4% YoY+1.8% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
56% |
| Efficiency Ratio |
106.2%
+29.2% YoY+27.3% QoQ
|
+28.1% |
78.0%
-1.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate |
0.4%
-28.6% YoY-55.4% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
28% |
| Loan To Share |
64.7%
-9.3% YoY-4.6% QoQ
|
-5.7% |
70.4%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$16,985
-3.0% YoY-1.5% QoQ
|
$-8K |
$24,918
+2.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
20.9%
+17.0% YoY+1.4% QoQ
|
-3.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
47.3%
-5.7% YoY-1.7% QoQ
|
+33.5% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)