BlastPoint's Credit Union Scorecard

GOODYEAR SAN ANGELO

Charter #21710 · TX

<100M
2556 CUs in <100M nationally 243 in TX

GOODYEAR SAN ANGELO has 4 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.44% above tier average
  • + Efficiency Ratio: Top 6.1% in tier
  • + Loan-to-Share Ratio: Top 7.8% in tier
  • + Asset Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Members Per Employee (MPE): Bottom 7.1% in tier
  • - Total Members: Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 348
+2.4% YoY+0.6% QoQ
-2.3K 2,615
-1.9% YoY
27,007
+3.4% YoY
33,374
+5.7% YoY
Bottom 9.2% in tier
Assets $3.9M
+9.5% YoY+6.9% QoQ
$-26.2M $30.1M
+2.1% YoY
$418.5M
+7.2% YoY
$561.6M
+9.7% YoY
16%
Loans $3.1M
+3.9% YoY-0.3% QoQ
$-12.6M $15.8M
-1.3% YoY
$298.6M
+5.4% YoY
$397.0M
+8.8% YoY
25%
Deposits $3.3M
+9.2% YoY+7.4% QoQ
$-22.3M $25.7M
+1.4% YoY
$347.2M
+7.2% YoY
$477.3M
+9.7% YoY
17%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.1%
+34.1% YoY-16.2% QoQ
+0.4% 0.6%
+10.8% YoY
0.6%
+2.3% YoY
0.7%
+15.9% YoY
68%
NIM 3.0%
-0.5% YoY-7.1% QoQ
-1.0% 4.0%
+4.0% YoY
3.9%
+3.4% YoY
3.8%
+5.1% YoY
19%
Efficiency Ratio 53.2%
-24.1% YoY+7.9% QoQ
-29.4% 82.6%
-2.3% YoY
80.2%
-0.8% YoY
79.7%
-3.3% YoY
Top 6.1% in tier
Delinquency Rate 0.0%
-60.3% YoY
-1.5 1.6%
-3.1% YoY
1.3%
+11.4% YoY
1.3%
-2.1% YoY
Top 14.5% in tier
Loan To Share 93.4%
-4.8% YoY-7.2% QoQ
+32.7% 60.6%
-3.1% YoY
71.4%
-2.7% YoY
67.4%
-1.7% YoY
Top 7.9% in tier
AMR $18,555
+4.2% YoY+2.9% QoQ
+$4K $14,783
-1.4% YoY
$17,599
+2.5% YoY
$19,687
+2.0% YoY
73%
CD Concentration 0.0% -24.4% 24.4% 21.2% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 7.1% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2556 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.1% in <100M tier
158
Efficiency Ratio
profitability
Value: 53.19%
Peer Median: -
#158 of 2556 Top 6.1% in <100M tier
200
Loan-to-Share Ratio
balance_sheet
Value: 93.36%
Peer Median: -
#200 of 2556 Top 7.8% in <100M tier
245
Asset Growth Rate
growth
Value: 9.55%
Peer Median: -
#245 of 2556 Top 9.5% in <100M tier
273
Deposit Growth Rate
growth
Value: 9.23%
Peer Median: -
#273 of 2556 Top 10.6% in <100M tier
320
Loan-to-Member Ratio (LMR)
engagement
Value: $8,959
Peer Median: -
#320 of 2556 Top 12.5% in <100M tier
349
Member Growth Rate
growth
Value: 2.35%
Peer Median: -
#349 of 2556 Top 13.6% in <100M tier
372
Total Delinquency Rate (60+ days)
risk
Value: 0.03%
Peer Median: -
#372 of 2556 Top 14.5% in <100M tier

Top Weaknesses (7 metrics)

2375
Members Per Employee (MPE)
engagement
Value: 116.000
Peer Median: -
#2375 of 2556 Bottom 7.1% in <100M tier
2320
Total Members
engagement
Value: 348
Peer Median: -
#2320 of 2556 Bottom 9.3% in <100M tier
2156
Total Assets
balance_sheet
Value: $3.92M
Peer Median: -
#2156 of 2556 Bottom 15.7% in <100M tier
2151
Fee Income Per Member
profitability
Value: $7.34
Peer Median: -
#2151 of 2556 Bottom 15.9% in <100M tier
2123
Total Deposits
balance_sheet
Value: $3.34M
Peer Median: -
#2123 of 2556 Bottom 17.0% in <100M tier
2071
Net Interest Margin (NIM)
profitability
Value: 2.99%
Peer Median: -
#2071 of 2556 Bottom 19.0% in <100M tier
1927
Total Loans
balance_sheet
Value: $3.12M
Peer Median: -
#1927 of 2556 Bottom 24.6% in <100M tier
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