BlastPoint's Credit Union Scorecard
ST. LUKE'S COMMUNITY
Charter #23525 · TX
2556 CUs in <100M nationally
243 in TX
ST. LUKE'S COMMUNITY has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 0.4% in tier
- + Efficiency Ratio: Top 1.5% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.76% above tier average
- - Net Interest Margin (NIM): Bottom 3.7% in tier
- - Total Members: Bottom 7.6% in tier
- - Total Assets: Bottom 8.5% in tier
- - Total Loans: Bottom 8.5% in tier
- - Total Deposits: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
297
+1.0% YoY-1.7% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 7.5% in tier |
| Assets |
$1.7M
-2.3% YoY+1.0% QoQ
|
$-28.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.5% in tier |
| Loans |
$615,697
+67.6% YoY+22.0% QoQ
|
$-15.1M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.5% in tier |
| Deposits |
$1.5M
-3.6% YoY+1.1% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.5% in tier |
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| ROA |
1.0%
-12.6% YoY-15.4% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
2.0%
+1.3% YoY+3.7% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.7% in tier |
| Efficiency Ratio |
39.3%
+1.5% YoY-5.8% QoQ
|
-43.3% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate |
3.3%
-61.3% YoY+63.5% QoQ
|
+1.8 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 11.5% in tier |
| Loan To Share |
40.6%
+73.9% YoY+20.7% QoQ
|
-20.0% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$7,182
+8.8% YoY+8.1% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
12
Loan Growth Rate
growth
Value:
67.62%
Peer Median: -
#12 of 2556
Top 0.4% in <100M tier
39
Efficiency Ratio
profitability
Value:
39.26%
Peer Median: -
#39 of 2556
Top 1.5% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
312
AMR Growth Rate
growth
Value:
8.77%
Peer Median: -
#312 of 2556
Top 12.2% in <100M tier
587
Member Growth Rate
growth
Value:
1.02%
Peer Median: -
#587 of 2556
Top 22.9% in <100M tier
Top Weaknesses (12 metrics)
2462
Net Interest Margin (NIM)
profitability
Value:
1.98%
Peer Median: -
#2462 of 2556
Bottom 3.7% in <100M tier
2363
Total Members
engagement
Value:
297
Peer Median: -
#2363 of 2556
Bottom 7.6% in <100M tier
2340
Total Assets
balance_sheet
Value:
$1.74M
Peer Median: -
#2340 of 2556
Bottom 8.5% in <100M tier
2339
Total Loans
balance_sheet
Value:
$615,697
Peer Median: -
#2339 of 2556
Bottom 8.5% in <100M tier
2314
Total Deposits
balance_sheet
Value:
$1.52M
Peer Median: -
#2314 of 2556
Bottom 9.5% in <100M tier
2272
Fee Income Per Member
profitability
Value:
$3.25
Peer Median: -
#2272 of 2556
Bottom 11.2% in <100M tier
2264
Total Delinquency Rate (60+ days)
risk
Value:
3.31%
Peer Median: -
#2264 of 2556
Bottom 11.5% in <100M tier
2206
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,073
Peer Median: -
#2206 of 2556
Bottom 13.7% in <100M tier
2161
Average Member Relationship (AMR)
engagement
Value:
$7,182
Peer Median: -
#2161 of 2556
Bottom 15.5% in <100M tier
2038
Loan-to-Share Ratio
balance_sheet
Value:
40.58%
Peer Median: -
#2038 of 2556
Bottom 20.3% in <100M tier