BlastPoint's Credit Union Scorecard

PRIMEWAY

Charter #2131 · TX

Community 500M-750M

PrimeWay at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

PrimeWay is one of 101 credit unions in the 2026 VentureTech card set. We also found PrimeWay's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

PrimeWay

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PRIMEWAY
PEER · AT VENTURETECH
PEER · AT VENTURETECH
PRIMEWAY'S BIGGEST OPPORTUNITY

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

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PRIMEWAY has 4 strengths but faces 8 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 0.11% above tier average
+ Share Certificate Concentration (%): Top 2.4% in tier
+ Total Assets: Top 4.2% in tier
+ Loan-to-Share Ratio: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.6% in tier
- Efficiency Drag: Bottom 15.0% in tier
- Credit Quality Pressure: Bottom 19.4% in tier
- Credit Risk Growth: Bottom 52.7% in tier
- Deposit Outflow: Bottom 85.2% in tier
- ROA 0.71% below tier average
- Efficiency ratio 11.41% above tier (higher cost structure)
- Delinquency rate 0.52% above tier average

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	48,665 +0.4% YoY-2.2% QoQ	+10.8K	37,897 -5.0% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	Top 10.9% in tier
Assets	$735.7M +2.5% YoY+0.5% QoQ	+$113.4M	$622.4M +0.6% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	Top 4.8% in tier
Loans	$545.5M +2.8% YoY+0.4% QoQ	+$117.0M	$428.5M -0.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	Top 11.5% in tier
Deposits	$560.4M -0.7% YoY-3.1% QoQ	+$20.6M	$539.8M +0.9% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	64%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% -3.2% YoY-32.8% QoQ	-0.7%	0.8% +39.5% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	Bottom 3.0% in tier
NIM	3.6% +3.3% YoY-1.2% QoQ	+0.1%	3.5% +5.0% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	62%
Efficiency Ratio	88.0% -5.2% YoY+2.2% QoQ	+11.4%	76.6% -3.6% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	Bottom 12.1% in tier
Delinquency Rate	1.3% +29.3% YoY+2.5% QoQ	+0.5	0.8% +3.1% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	Bottom 13.3% in tier
Loan To Share	97.3% +3.5% YoY+3.6% QoQ	+18.0%	79.3% -1.4% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	Top 8.5% in tier
AMR	$22,725 +0.6% YoY+0.8% QoQ	$-5K	$27,294 +4.1% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	27%
CD Concentration	13.0% -5.9% YoY+11.2% QoQ	-11.5%	24.6%	21.6%	20.0%	Bottom 13.4% in tier
Indirect Auto %	8.2% -4.6% YoY-4.4% QoQ	-5.4%	13.6%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#6 of 531 • Bottom 15.0% in tier

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

Why This Signature

Efficiency Ratio: 87.97%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.00% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 0.38%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Quality Pressure

risk

#250 of 693 • Bottom 19.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.30% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Liquidity Strain

risk

#104 of 224 • Bottom 5.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 97.34%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 2.82%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 276 Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Deposit Outflow

decline

#50 of 84 • Bottom 85.2% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.68%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 0.38%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

84 of 276 Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Credit Risk Growth

risk

#289 of 472 • Bottom 52.7% in tier

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

Why This Signature

Loan Growth (YoY): 2.82%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.30% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

688 nationally

↑ Growing +32 CUs YoY | New qualifier

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: 13.04%

Peer Median: 26.69%

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

Total Assets

balance_sheet

Value: $735.74M

Peer Median: $621.76M

#8 of 165 Top 4.2% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 97.34%

Peer Median: 81.50%

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

Total Members

engagement

Value: 48,665

Peer Median: 36,716

#18 of 165 Top 10.3% in 500M-750M tier

Total Loans

balance_sheet

Value: $545.52M

Peer Median: $428.72M

#19 of 165 Top 10.9% in 500M-750M tier

Net Worth Ratio

risk

Value: 12.81%

Peer Median: 10.42%

#34 of 165 Top 20.0% in 500M-750M tier

Top Weaknesses (6 metrics)

160

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Median: 0.74%

#160 of 165 Bottom 3.6% in 500M-750M tier

146

Efficiency Ratio

profitability

Value: 87.97%

Peer Median: 77.45%

#146 of 165 Bottom 12.1% in 500M-750M tier

144

Total Delinquency Rate (60+ days)

risk

Value: 1.33%

Peer Median: 0.70%

#144 of 165 Bottom 13.3% in 500M-750M tier

143

Deposit Growth Rate

growth

Value: -0.68%

Peer Median: 4.04%

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

133

Net Charge-Off Rate

risk

Value: 0.79%

Peer Median: 0.41%

#133 of 165 Bottom 20.0% in 500M-750M tier

131

AMR Growth Rate

growth

Value: 0.64%

Peer Median: 3.83%

#131 of 165 Bottom 21.2% in 500M-750M tier