BlastPoint's Credit Union Scorecard
NATURAL RESOURCES CONSERVATION SERV
Charter #2158 · TX
NATURAL RESOURCES CONSERVATION SERV has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.77% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.26% below tier average
- - Efficiency ratio 24.42% above tier (higher cost structure)
- - Delinquency rate 0.21% above tier average
- - Member decline: -6.7% YoY
- - Loan Growth Rate: Bottom 3.5% in tier
- - Deposit Growth Rate: Bottom 8.3% in tier
- - AMR Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
737
-6.7% YoY-1.9% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
21% |
| Assets |
$6.0M
-5.9% YoY+4.1% QoQ
|
$-23.8M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$1.9M
-26.3% YoY-8.5% QoQ
|
$-13.8M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
17% |
| Deposits |
$4.6M
-9.1% YoY+2.0% QoQ
|
$-20.8M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
-0.6%
-44.1% YoY-73.3% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.2% in tier |
| NIM |
4.7%
+1.3% YoY+2.9% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
79% |
| Efficiency Ratio |
105.8%
-2.9% YoY-4.7% QoQ
|
+24.4% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 8.0% in tier |
| Delinquency Rate |
1.7%
+4.1% YoY-58.1% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
41.9%
-18.9% YoY-10.3% QoQ
|
-19.3% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$8,949
-8.8% YoY+0.5% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
24% |
| CD Concentration |
11.5%
+9.4% YoY-1.6% QoQ
|
-12.9% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)