BlastPoint's Credit Union Scorecard
PRIMEWAY
Charter #2131 · TX
PRIMEWAY has 4 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
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
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 16 that size in Texas.
- Shares and deposits -0.7% year over year ($560M in shares and deposits).
- Membership: 48,665 members, +0.4% vs a year ago.
- Delinquency rate 1.33%.
- Return on assets 0.11%.
- Efficiency ratio 87.97% vs a 76.56% peer average.
- Loan-to-share ratio 97.34% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
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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| 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)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)