BlastPoint's Credit Union Scorecard
THE LOCAL
Charter #22747 · TX
THE LOCAL has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Net Interest Margin 4.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.0% in tier
- + Fee Income Per Member: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 7.50% above tier (higher cost structure)
- - Member decline: -4.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,203
-4.1% YoY-0.3% QoQ
|
+1.6K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$24.6M
+0.6% YoY+0.6% QoQ
|
$-5.6M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$20.9M
-3.4% YoY-2.1% QoQ
|
+$5.2M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$19.6M
+5.5% YoY+6.6% QoQ
|
$-6.1M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.8%
+70.3% YoY+3.8% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
8.2%
-1.2% YoY+0.4% QoQ
|
+4.2% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 0.3% in tier |
| Efficiency Ratio |
90.1%
+1.1% YoY-1.4% QoQ
|
+7.5% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.8%
-47.3% YoY-22.7% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
106.8%
-8.4% YoY-8.2% QoQ
|
+46.1% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 2.2% in tier |
| AMR |
$9,640
+5.0% YoY+2.2% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
10.1%
-8.8% YoY-11.8% QoQ
|
-14.3% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)