BlastPoint's Credit Union Scorecard

PRIMEWAY

Charter #2131 · TX

Community 500M-750M

165 CUs in 500M-750M nationally 16 in TX

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PRIMEWAY has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.19% above tier average
+ Share Certificate Concentration (%): Top 2.4% in tier
+ Total Assets: Top 7.9% in tier
+ Loan-to-Share Ratio: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 2.0% in tier
- Credit Quality Pressure: Bottom 20.9% in tier
- Credit Risk Growth: Bottom 37.8% in tier
- Liquidity Strain: Bottom 50.2% in tier
- ROA 0.49% below tier average
- Efficiency ratio 13.31% above tier (higher cost structure)
- Delinquency rate 0.51% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	49,292 +0.1% YoY+0.8% QoQ	+10.7K	38,575 -4.8% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	Top 12.1% in tier
Assets	$724.4M -0.1% YoY+0.5% QoQ	+$102.7M	$621.7M +0.1% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	Top 8.5% in tier
Loans	$546.9M +3.8% YoY+1.1% QoQ	+$117.1M	$429.8M -1.8% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	Top 12.1% in tier
Deposits	$568.4M -0.5% YoY+1.4% QoQ	+$29.7M	$538.7M +0.6% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	67%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -45.7% YoY-18.7% QoQ	-0.5%	0.7% +42.9% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	Bottom 12.1% in tier
NIM	3.6% +9.6% YoY+1.2% QoQ	+0.2%	3.4% +8.0% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	67%
Efficiency Ratio	90.8% +5.6% YoY-0.8% QoQ	+13.3%	77.5% -4.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	Top 6.7% in tier
Delinquency Rate	1.4% +48.3% YoY-0.4% QoQ	+0.5	0.8% -1.1% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	83%
Loan To Share	96.2% +4.3% YoY-0.2% QoQ	+16.4%	79.8% -2.3% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	Top 9.7% in tier
AMR	$22,626 +1.5% YoY+0.5% QoQ	$-4K	$26,849 +2.7% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	29%
CD Concentration	12.1% -16.8% YoY-12.8% QoQ	-12.3%	24.4%	21.2%	19.8%	Bottom 12.1% in tier
Indirect Auto %	8.4% -11.4% YoY-3.5% QoQ	-5.4%	13.8%	7.1%	7.8%	51%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#12 of 538 • Bottom 2.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 90.83%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.11%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Quality Pressure

risk

#148 of 705 • Bottom 20.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.44% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#173 of 456 • Bottom 37.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.80%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.44% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

Liquidity Strain

risk

#115 of 228 • Bottom 50.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 96.22%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 3.80%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

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)

Compare against:

Comparing against 165 peers in tier

Top Strengths (6 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 12.09%

Peer Median: -

#5 of 165 Top 2.4% in 500M-750M tier

Total Assets

balance_sheet

Value: $724.41M

Peer Median: -

#14 of 165 Top 7.9% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.22%

Peer Median: -

#16 of 165 Top 9.1% in 500M-750M tier

Total Loans

balance_sheet

Value: $546.91M

Peer Median: -

#20 of 165 Top 11.5% in 500M-750M tier

Total Members

engagement

Value: 49,292

Peer Median: -

#20 of 165 Top 11.5% in 500M-750M tier

Net Worth Ratio

risk

Value: 13.11%

Peer Median: -

#29 of 165 Top 17.0% in 500M-750M tier

Top Weaknesses (5 metrics)

155

Efficiency Ratio

profitability

Value: 90.83%

Peer Median: -

#155 of 165 Bottom 6.7% in 500M-750M tier

145

Return on Assets (ROA)

profitability

Value: 0.17%

Peer Median: -

#145 of 165 Bottom 12.7% in 500M-750M tier

143

Deposit Growth Rate

growth

Value: -0.48%

Peer Median: -

#143 of 165 Bottom 13.9% in 500M-750M tier

139

Asset Growth Rate

growth

Value: -0.09%

Peer Median: -

#139 of 165 Bottom 16.4% in 500M-750M tier

138

Total Delinquency Rate (60+ days)

risk

Value: 1.35%

Peer Median: -

#138 of 165 Bottom 17.0% in 500M-750M tier