BlastPoint's Credit Union Scorecard
ST. LUKE'S COMMUNITY
Charter #23525 · TX
<100M
2508 CUs in <100M nationally
237 in TX
ST. LUKE'S COMMUNITY has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.56% above tier average
- + Loan Growth Rate: Top 1.0% in tier
- + Efficiency Ratio: Top 1.8% in tier
- + Member Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.02% above tier average
- - Net Interest Margin (NIM): Bottom 3.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.6% in tier
- - Total Members: Bottom 8.1% in tier
- - Total Loans: Bottom 8.7% in tier
- - Total Assets: Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
301
+3.8% YoY+1.3% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 8.0% in tier |
| Assets |
$1.9M
+3.5% YoY+8.2% QoQ
|
$-28.3M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.9% in tier |
| Loans |
$591,539
+46.3% YoY-3.9% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.7% in tier |
| Deposits |
$1.7M
+3.0% YoY+9.2% QoQ
|
$-24.1M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.2% in tier |
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| ROA |
0.7%
-32.5% YoY-26.1% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
55% |
| NIM |
1.9%
+9.3% YoY-1.9% QoQ
|
-2.1% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.3% in tier |
| Efficiency Ratio |
37.7%
-10.4% YoY-4.0% QoQ
|
-53.0% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Top 1.8% in tier |
| Delinquency Rate |
4.5%
-37.0% YoY+36.5% QoQ
|
+3.0 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.6% in tier |
| Loan To Share |
35.7%
+42.0% YoY-12.0% QoQ
|
-22.8% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
17% |
| AMR |
$7,471
+7.6% YoY+4.0% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
25
Loan Growth Rate
growth
Value:
46.28%
Peer Median: -2.36%
#25 of 2508
Top 1.0% in <100M tier
46
Efficiency Ratio
profitability
Value:
37.68%
Peer Median: 81.45%
#46 of 2508
Top 1.8% in <100M tier
229
Member Growth Rate
growth
Value:
3.79%
Peer Median: -1.37%
#229 of 2508
Top 9.1% in <100M tier
382
AMR Growth Rate
growth
Value:
7.62%
Peer Median: 1.27%
#382 of 2508
Top 15.2% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (10 metrics)
2424
Net Interest Margin (NIM)
profitability
Value:
1.94%
Peer Median: 3.83%
#2424 of 2508
Bottom 3.4% in <100M tier
2343
Total Delinquency Rate (60+ days)
risk
Value:
4.52%
Peer Median: 0.65%
#2343 of 2508
Bottom 6.6% in <100M tier
2307
Total Members
engagement
Value:
301
Peer Median: 1,918
#2307 of 2508
Bottom 8.1% in <100M tier
2290
Total Loans
balance_sheet
Value:
$591,539
Peer Median: $9.48M
#2290 of 2508
Bottom 8.7% in <100M tier
2286
Total Assets
balance_sheet
Value:
$1.89M
Peer Median: $21.86M
#2286 of 2508
Bottom 8.9% in <100M tier
2251
Total Deposits
balance_sheet
Value:
$1.66M
Peer Median: $18.77M
#2251 of 2508
Bottom 10.3% in <100M tier
2182
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,965
Peer Median: $4,923
#2182 of 2508
Bottom 13.0% in <100M tier
2134
Fee Income Per Member
profitability
Value:
$4.70
Peer Median: $60.42
#2134 of 2508
Bottom 15.0% in <100M tier
2093
Average Member Relationship (AMR)
engagement
Value:
$7,471
Peer Median: $13,926
#2093 of 2508
Bottom 16.6% in <100M tier
2077
Loan-to-Share Ratio
balance_sheet
Value:
35.69%
Peer Median: 58.72%
#2077 of 2508
Bottom 17.2% in <100M tier