BlastPoint's Credit Union Scorecard
NATURAL RESOURCES CONSERVATION SERV
Charter #2158 · TX
NATURAL RESOURCES CONSERVATION SERV has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 0.54% above tier average
- + Members Per Employee (MPE): Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 38.86% above tier (higher cost structure)
- - Delinquency rate 1.50% above tier average
- - Member decline: -10.8% YoY
- - Deposit Growth Rate: Bottom 2.0% in tier
- - Asset Growth Rate: Bottom 2.3% in tier
- - Loan Growth Rate: Bottom 3.7% in tier
- - Member Growth Rate: Bottom 5.3% in tier
- - AMR Growth Rate: Bottom 6.2% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -18.4% year over year ($3.7M in shares and deposits).
- Membership: 670 members, -10.8% vs a year ago.
- Delinquency rate 3.05%.
- Return on assets 1.89%.
- Efficiency ratio 127.62% vs a 88.77% peer average.
- Loan-to-share ratio 42.43% vs a 58.89% 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 |
670
-10.8% YoY-3.6% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$4.9M
-15.0% YoY-6.8% QoQ
|
$-25.4M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$1.6M
-26.0% YoY-11.6% QoQ
|
$-13.9M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 15.0% in tier |
| Deposits |
$3.7M
-18.4% YoY-6.6% QoQ
|
$-22.1M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
1.9%
-186.7% YoY-214.4% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 11.3% in tier |
| NIM |
4.4%
-2.8% YoY+0.3% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
127.6%
+15.0% YoY+3.4% QoQ
|
+38.9% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.8% in tier |
| Delinquency Rate |
3.1%
-25.6% YoY+64.5% QoQ
|
+1.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.7% in tier |
| Loan To Share |
42.4%
-9.2% YoY-5.4% QoQ
|
-16.5% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
25% |
| AMR |
$7,899
-11.3% YoY-4.7% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
13.9%
+18.7% YoY+7.4% QoQ
|
-10.7% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)