BlastPoint's Credit Union Scorecard

ADVANCIAL

Charter #2285 · TX

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 27 in TX

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ADVANCIAL has 2 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

+ Loan-to-Share Ratio: Top 4.7% in tier
+ Total Loans: Top 7.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.1% in tier
- Efficiency Drag: Bottom 15.2% in tier
- Credit Quality Pressure: Bottom 17.5% in tier
- Indirect Auto Dependency: Bottom 84.7% in tier
- Shrinking Wallet Share: Bottom 94.1% in tier
- ROA 0.57% below tier average
- Efficiency ratio 8.66% above tier (higher cost structure)
- Delinquency rate 0.47% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
Shares and deposits +0.8% year over year ($1.94B in shares and deposits).
Membership: 142,749 members, +5.0% vs a year ago.
Delinquency rate 1.33%.
Return on assets 0.25%.
Efficiency ratio 81.68% vs a 73.02% peer average.
Loan-to-share ratio 105.35% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	142,749 +5.0% YoY+0.7% QoQ	+45.9K	96,861 -1.9% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	Top 13.7% in tier
Assets	$2.4B +0.7% YoY+0.1% QoQ	+$669.5M	$1.7B +0.4% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	82%
Loans	$2.0B +0.4% YoY+0.7% QoQ	+$807.2M	$1.2B +0.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	Top 7.3% in tier
Deposits	$1.9B +0.8% YoY-0.6% QoQ	+$474.4M	$1.5B +0.5% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	79%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% +22.3% YoY+13.9% QoQ	-0.6%	0.8% +27.6% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	Bottom 7.3% in tier
NIM	3.0% +0.1% YoY+2.4% QoQ	-0.4%	3.4% +6.6% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	23%
Efficiency Ratio	81.7% +4.2% YoY-0.5% QoQ	+8.7%	73.0% -2.7% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	84%
Delinquency Rate	1.3% +23.0% YoY+17.9% QoQ	+0.5	0.9% +7.3% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	82%
Loan To Share	105.3% -0.4% YoY+1.2% QoQ	+20.6%	84.7% +0.1% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	Top 5.0% in tier
AMR	$27,876 -4.2% YoY-0.6% QoQ	$-2K	$29,575 +1.5% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	48%
CD Concentration	47.0% +0.8% YoY+2.2% QoQ	+17.9%	29.1%	21.6%	20.0%	Top 3.7% in tier
Indirect Auto %	29.8% +0.8% YoY-0.5% QoQ	+11.7%	18.1%	6.9%	7.7%	78%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#65 of 215 • Bottom 17.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.25% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#23 of 69 • Bottom 94.1% in tier

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

Why This Signature

AMR Growth (YoY): -4.17%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank worsening

Liquidity Strain

risk

#70 of 168 • Bottom 6.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 105.35%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 0.40%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

Efficiency Drag

risk

#55 of 71 • Bottom 15.2% in tier

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

Why This Signature

Efficiency Ratio: 81.68%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.05% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 4.97%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#167 of 193 • Bottom 84.7% in tier

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

Why This Signature

Asset Growth (YoY): 0.66%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 29.81%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 4.97%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

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 300 peers in tier

Top Strengths (7 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 105.35%

Peer Median: 87.07%

#15 of 300 Top 4.7% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.04B

Peer Median: $1.14B

#22 of 300 Top 7.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 456.067

Peer Median: 346.173

#37 of 300 Top 12.0% in 1B-3B tier

Total Members

engagement

Value: 142,749

Peer Median: 86,516

#41 of 300 Top 13.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.39B

Peer Median: $1.51B

#55 of 300 Top 18.0% in 1B-3B tier

Member Growth Rate

growth

Value: 4.97%

Peer Median: 1.84%

#59 of 300 Top 19.3% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.94B

Peer Median: $1.30B

#64 of 300 Top 21.0% in 1B-3B tier

Top Weaknesses (11 metrics)

294

Net Worth Ratio

risk

Value: 7.98%

Peer Median: 10.91%

#294 of 300 Bottom 2.3% in 1B-3B tier

291

Share Certificate Concentration (%)

balance_sheet

Value: 46.99%

Peer Median: 28.24%

#291 of 300 Bottom 3.3% in 1B-3B tier

282

AMR Growth Rate

growth

Value: -4.17%

Peer Median: 3.19%

#282 of 300 Bottom 6.3% in 1B-3B tier

278

Return on Assets (ROA)

profitability

Value: 0.25%

Peer Median: 0.77%

#278 of 300 Bottom 7.7% in 1B-3B tier

252

Efficiency Ratio

profitability

Value: 81.68%

Peer Median: 73.62%

#252 of 300 Bottom 16.3% in 1B-3B tier

252

Asset Growth Rate

growth

Value: 0.66%

Peer Median: 5.21%

#252 of 300 Bottom 16.3% in 1B-3B tier

248

Deposit Growth Rate

growth

Value: 0.81%

Peer Median: 4.79%

#248 of 300 Bottom 17.7% in 1B-3B tier

248

Total Delinquency Rate (60+ days)

risk

Value: 1.33%

Peer Median: 0.70%

#248 of 300 Bottom 17.7% in 1B-3B tier

242

Loan Growth Rate

growth

Value: 0.40%

Peer Median: 5.71%

#242 of 300 Bottom 19.7% in 1B-3B tier

238

Indirect Auto Concentration (%)

balance_sheet

Value: 29.81%

Peer Median: 14.26%

#238 of 300 Bottom 21.0% in 1B-3B tier