BlastPoint's Credit Union Scorecard
THE LOCAL
Charter #22747 · TX
2596 CUs in <100M nationally
245 in TX
THE LOCAL has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.05% above tier average
- + Net Interest Margin 4.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.1% in tier
- + Fee Income Per Member: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 9.94% above tier (higher cost structure)
- - Member decline: -4.0% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,214
-4.0% YoY-4.0% QoQ
|
+1.6K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$24.4M
-3.9% YoY-0.5% QoQ
|
$-5.4M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
54% |
| Loans |
$21.4M
-4.1% YoY-0.3% QoQ
|
+$5.6M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$18.4M
-4.3% YoY-0.3% QoQ
|
$-7.1M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
50% |
| ROA |
0.7%
+3.6% YoY+108.7% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
8.2%
+0.3% YoY+6.3% QoQ
|
+4.2% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 0.4% in tier |
| Efficiency Ratio |
91.3%
+3.4% YoY-3.8% QoQ
|
+9.9% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
79% |
| Delinquency Rate |
1.1%
-60.6% YoY-36.9% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
63% |
| Loan To Share |
116.3%
+0.2% YoY-0.0% QoQ
|
+55.0% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 1.3% in tier |
| AMR |
$9,437
-0.2% YoY+3.9% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration |
11.5%
-1.6% YoY+0.6% QoQ
|
-13.0% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
10
Net Interest Margin (NIM)
profitability
Value:
8.15%
Peer Avg: 3.93%
#10 of 2596
Top 0.3% in <100M tier
29
Loan-to-Share Ratio
balance_sheet
Value:
116.27%
Peer Avg: 61.23%
#29 of 2596
Top 1.1% in <100M tier
151
Fee Income Per Member
profitability
Value:
$209.70
Peer Avg: $182.96
#151 of 2596
Top 5.8% in <100M tier
420
Net Worth Ratio
risk
Value:
22.22%
Peer Avg: 16.43%
#420 of 2596
Top 16.1% in <100M tier
512
Total Members
engagement
Value:
4,214
Peer Avg: 2,626
#512 of 2596
Top 19.7% in <100M tier
Top Weaknesses (4 metrics)
2127
Asset Growth Rate
growth
Value:
-3.88%
Peer Avg: 1.82%
#2127 of 2596
Bottom 18.1% in <100M tier
2073
Deposit Growth Rate
growth
Value:
-4.33%
Peer Avg: 16.80%
#2073 of 2596
Bottom 20.2% in <100M tier
2049
Efficiency Ratio
profitability
Value:
91.33%
Peer Avg: 81.39%
#2049 of 2596
Bottom 21.1% in <100M tier
1990
Member Growth Rate
growth
Value:
-3.99%
Peer Avg: 14.92%
#1990 of 2596
Bottom 23.4% in <100M tier