BlastPoint's Credit Union Scorecard
THE LOCAL
Charter #22747 · TX
THE LOCAL has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.54% above tier average
- + Net Interest Margin 3.59% above tier average
- + Loan-to-Share Ratio: Top 2.0% in tier
- + Fee Income Per Member: Top 3.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.65% above tier (higher cost structure)
- - Member decline: -7.4% YoY
- - Member Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,006
-7.4% YoY-4.7% QoQ
|
+1.3K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
79% |
| Assets |
$25.2M
+1.1% YoY+2.4% QoQ
|
$-5.0M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
54% |
| Loans |
$20.1M
-5.5% YoY-4.0% QoQ
|
+$4.8M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
71% |
| Deposits |
$19.1M
+0.9% YoY-2.6% QoQ
|
$-6.7M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
50% |
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| ROA |
0.7%
-397.4% YoY-9.5% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
7.6%
-3.2% YoY-7.3% QoQ
|
+3.6% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 0.8% in tier |
| Efficiency Ratio |
92.3%
-6.0% YoY+2.5% QoQ
|
+1.6% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
73% |
| Delinquency Rate |
1.3%
-11.5% YoY+50.7% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
105.3%
-6.4% YoY-1.4% QoQ
|
+46.8% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 2.1% in tier |
| AMR |
$9,779
+5.3% YoY+1.4% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
27% |
| CD Concentration |
10.5%
-7.3% YoY+3.8% QoQ
|
-13.8% | 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)