BlastPoint's Credit Union Scorecard
ST. LUKE'S COMMUNITY
Charter #23525 · TX
ST. LUKE'S COMMUNITY has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 0.8% in tier
- + Efficiency Ratio: Top 1.9% in tier
- + AMR Growth Rate: Top 2.1% in tier
- + Deposit Growth Rate: Top 8.1% in tier
- + Asset Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Delinquency rate 1.49% above tier average
- - Net Interest Margin (NIM): Bottom 2.5% in tier
- - Total Members: Bottom 7.7% in tier
- - Total Assets: Bottom 8.7% in tier
- - Total Loans: Bottom 9.4% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +10.2% year over year ($1.7M in shares and deposits).
- Membership: 295 members, -1.3% vs a year ago.
- Delinquency rate 3.03%.
- Return on assets 0.78%.
- Efficiency ratio 42.42% vs a 88.77% peer average.
- Loan-to-share ratio 43.89% vs a 58.89% 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 |
295
-1.3% YoY-2.0% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Bottom 7.7% in tier |
| Assets |
$1.9M
+9.2% YoY+0.7% QoQ
|
$-28.4M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.7% in tier |
| Loans |
$735,684
+63.0% YoY+24.4% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.4% in tier |
| Deposits |
$1.7M
+10.2% YoY+1.1% QoQ
|
$-24.1M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.2% in tier |
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| ROA |
0.8%
-20.8% YoY+10.3% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
1.7%
-1.2% YoY-10.5% QoQ
|
-2.2% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio |
42.4%
-5.7% YoY+12.6% QoQ
|
-46.3% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 1.9% in tier |
| Delinquency Rate |
3.0%
+33.8% YoY-33.0% QoQ
|
+1.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.0% in tier |
| Loan To Share |
43.9%
+47.9% YoY+23.0% QoQ
|
-15.0% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$8,175
+23.9% YoY+9.4% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
20% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)