BlastPoint's Credit Union Scorecard
ADVANCIAL
Charter #2285 · TX
ADVANCIAL has 4 strengths but faces 12 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 76.4% in tier
- + Strong member growth: 6.6% YoY
- + Loan-to-Share Ratio: Top 2.3% in tier
- + Total Loans: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 10.3% in tier
- - Liquidity Strain: Bottom 32.1% in tier
- - Credit Quality Pressure: Bottom 36.2% in tier
- - Deposit Outflow: Bottom 38.9% in tier
- - Indirect Auto Dependency: Bottom 93.8% in tier
- - ROA 0.54% below tier average
- - Efficiency ratio 4.49% above tier (higher cost structure)
- - Delinquency rate 0.37% above tier average
- - Net Worth Ratio: Bottom 2.6% in tier
- - AMR Growth Rate: Bottom 3.3% in tier
- - Share Certificate Concentration (%): Bottom 4.3% in tier
- - Deposit Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
140,111
+6.6% YoY+1.3% QoQ
|
+42.7K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$2.4B
-0.7% YoY+0.2% QoQ
|
+$657.4M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$2.0B
-0.7% YoY-0.1% QoQ
|
+$795.8M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 7.6% in tier |
| Deposits |
$1.9B
-2.3% YoY+0.7% QoQ
|
+$436.0M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
0.1%
-150.9% YoY-38.6% QoQ
|
-0.5% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.6% in tier |
| NIM |
3.1%
+13.8% YoY+0.6% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
78.5%
-0.1% YoY-0.2% QoQ
|
+4.5% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
1.3%
+18.9% YoY+22.1% QoQ
|
+0.4 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
107.1%
+1.7% YoY-0.8% QoQ
|
+22.3% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 2.6% in tier |
| AMR |
$28,017
-7.6% YoY-1.1% QoQ
|
$-1K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
47.0%
-5.9% YoY+0.2% QoQ
|
+17.9% | 29.0% | 21.2% | 19.8% | Top 4.8% in tier |
| Indirect Auto % |
29.1%
-1.9% YoY+5.2% QoQ
|
+10.8% | 18.3% | 7.1% | 7.8% | 74% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)