BlastPoint's Credit Union Scorecard
NATURAL RESOURCES CONSERVATION SERV
Charter #2158 · TX
NATURAL RESOURCES CONSERVATION SERV has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.42% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.80% below tier average
- - Efficiency ratio 32.78% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
- - Member decline: -10.3% YoY
- - Deposit Growth Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 2.6% in tier
- - Member Growth Rate: Bottom 5.7% in tier
- - Loan Growth Rate: Bottom 6.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
695
-10.3% YoY-2.8% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$5.3M
-13.4% YoY-8.1% QoQ
|
$-24.9M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$1.8M
-20.3% YoY+0.6% QoQ
|
$-13.5M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$4.0M
-18.0% YoY-8.9% QoQ
|
$-21.8M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
-1.6%
-45.0% YoY+285.0% QoQ
|
-1.8% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.6% in tier |
| NIM |
4.4%
-0.8% YoY-4.0% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
74% |
| Efficiency Ratio |
123.4%
+11.1% YoY+13.3% QoQ
|
+32.8% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.1% in tier |
| Delinquency Rate |
1.9%
-51.2% YoY+175.0% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
44.8%
-2.8% YoY+10.5% QoQ
|
-13.7% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$8,291
-9.4% YoY-3.5% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
12.9%
+19.4% YoY+10.2% QoQ
|
-11.4% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)