BlastPoint's Credit Union Scorecard
BORDER
Charter #24304 · TX
BORDER has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 12.3% in tier
- + Organic Growth Leader: Top 32.4% in tier
- + Profitability Leader: Top 33.0% in tier
- + ROA 0.83% above tier average
- + Net Interest Margin 0.88% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 4.1% in tier
- + Net Worth Ratio: Top 5.8% in tier
- + Total Members: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 3.8% in tier
- - Credit Risk Growth: Bottom 10.5% in tier
- - Credit Quality Pressure: Bottom 14.0% in tier
- - Liquidity Overhang: Bottom 66.9% in tier
- - Average Member Relationship (AMR): Bottom 3.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,647
+0.5% YoY+0.3% QoQ
|
+12.0K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 9.6% in tier |
| Assets |
$254.9M
+4.6% YoY+0.5% QoQ
|
+$23.6M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
66% |
| Loans |
$156.9M
+7.2% YoY+2.4% QoQ
|
+$9.1M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$194.6M
+3.2% YoY-0.3% QoQ
|
$-5.7M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
1.6%
-18.0% YoY-2.1% QoQ
|
+0.8% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 9.2% in tier |
| NIM |
4.5%
+6.0% YoY+1.7% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 10.0% in tier |
| Efficiency Ratio |
75.0%
+5.8% YoY+1.7% QoQ
|
-2.2% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.8%
+38.3% YoY+32.9% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
80.7%
+3.9% YoY+2.7% QoQ
|
+8.0% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$12,714
+4.4% YoY+0.6% QoQ
|
$-12K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.7% in tier |
| CD Concentration |
10.6%
+0.4% YoY-0.8% QoQ
|
-13.8% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)