BlastPoint's Credit Union Scorecard

ADVANCIAL

Charter #2285 · TX

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 28 in TX

View Mid-Market leaderboard →

ADVANCIAL has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Strong member growth: 5.8% YoY
+ Loan-to-Share Ratio: Top 3.9% in tier
+ Total Loans: Top 5.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.2% in tier
- Credit Quality Pressure: Bottom 15.3% in tier
- Efficiency Drag: Bottom 19.3% in tier
- Indirect Auto Dependency: Bottom 85.5% in tier
- Shrinking Wallet Share: Bottom 95.3% in tier
- ROA 0.50% below tier average
- Efficiency ratio 7.47% above tier (higher cost structure)
- Delinquency rate 0.37% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	141,745 +5.8% YoY+1.2% QoQ	+45.7K	96,048 -2.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Top 13.7% in tier
Assets	$2.4B +0.5% YoY+0.4% QoQ	+$671.4M	$1.7B +0.4% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	82%
Loans	$2.0B -0.4% YoY-0.1% QoQ	+$814.2M	$1.2B +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Top 6.2% in tier
Deposits	$1.9B +0.0% YoY+2.8% QoQ	+$483.4M	$1.5B +0.5% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	79%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% +55.0% QoQ	-0.5%	0.7% +27.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 11.1% in tier
NIM	3.0% +0.4% YoY-3.6% QoQ	-0.4%	3.4% +6.2% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	21%
Efficiency Ratio	82.1% +5.0% YoY+4.5% QoQ	+7.5%	74.6% -3.0% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	79%
Delinquency Rate	1.1% +26.9% YoY-11.4% QoQ	+0.4	0.8% +6.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	84%
Loan To Share	104.1% -0.5% YoY-2.9% QoQ	+20.9%	83.2% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Top 4.2% in tier
AMR	$28,057 -5.7% YoY+0.1% QoQ	$-2K	$29,652 +2.3% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	49%
CD Concentration	46.0% -1.9% YoY-2.1% QoQ	+17.1%	28.8%	21.3%	19.8%	Top 4.4% in tier
Indirect Auto %	30.0% -0.0% YoY+3.1% QoQ	+11.9%	18.1%	6.9%	7.7%	78%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Shrinking Wallet Share

decline

#19 of 82 • Bottom 95.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.72%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#58 of 225 • Bottom 15.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.24% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Liquidity Strain

risk

#61 of 148 • Bottom 5.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 104.05%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -0.43%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#175 of 198 • Bottom 85.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.51%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 29.97%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.85%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Efficiency Drag

risk

#90 of 100 • Bottom 19.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.10%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.26% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 5.85%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | New qualifier

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (7 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 104.05%

Peer Median: 85.31%

#13 of 306 Top 3.9% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.03B

Peer Median: $1.11B

#19 of 306 Top 5.9% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 457.242

Peer Median: 345.077

#38 of 306 Top 12.1% in 1B-3B tier

Total Members

engagement

Value: 141,745

Peer Median: 85,918

#42 of 306 Top 13.4% in 1B-3B tier

Member Growth Rate

growth

Value: 5.85%

Peer Median: 2.03%

#48 of 306 Top 15.4% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.39B

Peer Median: $1.51B

#56 of 306 Top 18.0% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.95B

Peer Median: $1.31B

#64 of 306 Top 20.6% in 1B-3B tier

Top Weaknesses (12 metrics)

301

Net Worth Ratio

risk

Value: 7.92%

Peer Median: 10.85%

#301 of 306 Bottom 2.0% in 1B-3B tier

295

Share Certificate Concentration (%)

balance_sheet

Value: 45.99%

Peer Median: 27.93%

#295 of 306 Bottom 3.9% in 1B-3B tier

292

AMR Growth Rate

growth

Value: -5.72%

Peer Median: 3.15%

#292 of 306 Bottom 4.9% in 1B-3B tier

272

Return on Assets (ROA)

profitability

Value: 0.22%

Peer Median: 0.66%

#272 of 306 Bottom 11.4% in 1B-3B tier

266

Deposit Growth Rate

growth

Value: 0.03%

Peer Median: 4.44%

#266 of 306 Bottom 13.4% in 1B-3B tier

260

Asset Growth Rate

growth

Value: 0.51%

Peer Median: 4.82%

#260 of 306 Bottom 15.4% in 1B-3B tier

258

Total Delinquency Rate (60+ days)

risk

Value: 1.13%

Peer Median: 0.63%

#258 of 306 Bottom 16.0% in 1B-3B tier

254

Loan Growth Rate

growth

Value: -0.43%

Peer Median: 5.67%

#254 of 306 Bottom 17.3% in 1B-3B tier

243

Efficiency Ratio

profitability

Value: 82.10%

Peer Median: 75.16%

#243 of 306 Bottom 20.9% in 1B-3B tier

243

Net Charge-Off Rate

risk

Value: 0.81%

Peer Median: 0.51%

#243 of 306 Bottom 20.9% in 1B-3B tier