BlastPoint's Credit Union Scorecard
BORDER
Charter #24304 · TX
BORDER has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.83% above tier average
- + Net Interest Margin 0.89% above tier average
- + Fee Income Per Member: Top 4.0% in tier
- + Net Worth Ratio: Top 5.9% in tier
- + Total Members: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Average Member Relationship (AMR): Bottom 4.1% in tier
- - Members Per Employee (MPE): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,587
+0.6% YoY-0.2% QoQ
|
+12.1K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 9.4% in tier |
| Assets |
$258.1M
+7.0% YoY+1.3% QoQ
|
+$26.2M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$159.7M
+8.1% YoY+1.7% QoQ
|
+$12.3M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$197.5M
+7.0% YoY+1.5% QoQ
|
$-3.3M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
58% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.6%
-15.4% YoY-1.6% QoQ
|
+0.8% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 8.8% in tier |
| NIM |
4.5%
+4.9% YoY+0.7% QoQ
|
+0.9% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 9.7% in tier |
| Efficiency Ratio |
74.5%
+2.4% YoY-0.8% QoQ
|
-2.6% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.6%
+20.3% YoY-21.6% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
80.8%
+1.0% YoY+0.2% QoQ
|
+8.6% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$12,947
+6.9% YoY+1.8% QoQ
|
$-12K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.0% in tier |
| CD Concentration |
11.8%
+37.2% YoY+11.2% QoQ
|
-12.6% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)