BlastPoint's Credit Union Scorecard

PRIMEWAY

Charter #2131 · TX

Community 500M-750M

167 CUs in 500M-750M nationally 14 in TX

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PRIMEWAY has 5 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 0.21% above tier average
+ Share Certificate Concentration (%): Top 2.4% in tier
+ Total Assets: Top 7.2% in tier
+ Loan-to-Share Ratio: Top 9.0% in tier
+ Total Members: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.6% in tier
- Credit Quality Pressure: Bottom 22.6% in tier
- Efficiency Drag: Bottom 24.3% in tier
- Credit Risk Growth: Bottom 49.0% in tier
- ROA 0.53% below tier average
- Efficiency ratio 7.66% above tier (higher cost structure)
- Delinquency rate 0.59% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	49,745 +0.4% YoY+0.9% QoQ	+11.7K	38,079 -4.8% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Top 10.2% in tier
Assets	$731.8M -0.3% YoY+1.0% QoQ	+$112.1M	$619.7M -0.2% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Top 7.8% in tier
Loans	$543.2M +3.3% YoY-0.7% QoQ	+$123.9M	$419.3M -1.4% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Top 12.0% in tier
Deposits	$578.2M +0.1% YoY+1.7% QoQ	+$38.7M	$539.5M -0.1% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	71%

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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% +124.5% YoY-2.7% QoQ	-0.5%	0.7% +36.0% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 15.0% in tier
NIM	3.7% +7.4% YoY+1.4% QoQ	+0.2%	3.5% +4.5% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	72%
Efficiency Ratio	86.0% -7.5% YoY-5.3% QoQ	+7.7%	78.4% -3.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	1.3% +22.1% YoY-4.0% QoQ	+0.6	0.7% -0.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Bottom 10.8% in tier
Loan To Share	94.0% +3.3% YoY-2.4% QoQ	+16.3%	77.7% -1.2% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Top 9.6% in tier
AMR	$22,543 +1.2% YoY-0.4% QoQ	$-4K	$26,927 +3.1% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	29%
CD Concentration	11.7% -17.3% YoY-3.0% QoQ	-12.6%	24.3%	21.3%	19.8%	Bottom 11.1% in tier
Indirect Auto %	8.6% -4.9% YoY+1.8% QoQ	-5.2%	13.8%	6.9%	7.7%	51%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#77 of 596 • Bottom 24.3% in tier

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

Why This Signature

Efficiency Ratio: 86.05%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.09% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 0.42%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#301 of 727 • Bottom 22.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.24% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Liquidity Strain

risk

#103 of 183 • Bottom 6.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.95%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 3.32%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Credit Risk Growth

risk

#289 of 476 • Bottom 49.0% in tier

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

Why This Signature

Loan Growth (YoY): 3.32%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.24% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | 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 167 peers in tier

Top Strengths (6 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 11.72%

Peer Median: 26.29%

#5 of 167 Top 2.4% in 500M-750M tier

Total Assets

balance_sheet

Value: $731.78M

Peer Median: $619.16M

#13 of 167 Top 7.2% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.95%

Peer Median: 79.97%

#16 of 167 Top 9.0% in 500M-750M tier

Total Members

engagement

Value: 49,745

Peer Median: 36,874

#17 of 167 Top 9.6% in 500M-750M tier

Total Loans

balance_sheet

Value: $543.22M

Peer Median: $427.27M

#20 of 167 Top 11.4% in 500M-750M tier

Net Worth Ratio

risk

Value: 12.86%

Peer Median: 10.35%

#32 of 167 Top 18.6% in 500M-750M tier

Top Weaknesses (6 metrics)

150

Total Delinquency Rate (60+ days)

risk

Value: 1.30%

Peer Median: 0.62%

#150 of 167 Bottom 10.8% in 500M-750M tier

142

Return on Assets (ROA)

profitability

Value: 0.16%

Peer Median: 0.61%

#142 of 167 Bottom 15.6% in 500M-750M tier

141

Asset Growth Rate

growth

Value: -0.26%

Peer Median: 4.66%

#141 of 167 Bottom 16.2% in 500M-750M tier

137

Deposit Growth Rate

growth

Value: 0.07%

Peer Median: 4.02%

#137 of 167 Bottom 18.6% in 500M-750M tier

135

Net Charge-Off Rate

risk

Value: 0.82%

Peer Median: 0.39%

#135 of 167 Bottom 19.8% in 500M-750M tier

130

Efficiency Ratio

profitability

Value: 86.05%

Peer Median: 78.61%

#130 of 167 Bottom 22.8% in 500M-750M tier