BlastPoint's Credit Union Scorecard

BP

Charter #24445 · TX

1069 CUs in 100M-500M nationally 79 in TX

BP has 3 strengths but faces 17 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 1.1% in tier
+ Loan-to-Member Ratio (LMR): Top 6.4% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 4.5% in tier
- Efficiency Drag: Bottom 12.7% in tier
- Accelerating Exit Risk: Bottom 16.4% in tier
- Stagnation Risk: Bottom 29.8% in tier
- Membership Headwinds: Bottom 35.1% in tier
- Liquidity Strain: Bottom 39.2% in tier
- Credit Quality Pressure: Bottom 40.9% in tier
- Shrinking Wallet Share: Bottom 52.7% in tier
- Institutional Decline: Bottom 54.4% in tier
- ROA 0.81% below tier average
- Efficiency ratio 18.48% above tier (higher cost structure)
- Member decline: -3.9% YoY
- Asset Growth Rate: Bottom 1.5% in tier
- Deposit Growth Rate: Bottom 1.6% in tier
- First Mortgage Concentration (%): Bottom 4.0% in tier
- Total Members: Bottom 8.2% in tier
- AMR Growth Rate: Bottom 8.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	6,482 -3.9% YoY-0.3% QoQ	-9.0K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	Bottom 8.1% in tier
Assets	$121.9M -6.4% YoY-1.0% QoQ	$-110.0M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	Bottom 14.5% in tier
Loans	$109.8M -5.0% YoY-1.5% QoQ	$-37.6M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	42%
Deposits	$104.5M -7.5% YoY-0.9% QoQ	$-96.3M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	Bottom 13.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.0% -362.4% YoY-68.5% QoQ	-0.8%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	Bottom 6.1% in tier
NIM	3.1% +23.1% YoY+3.3% QoQ	-0.5%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	24%
Efficiency Ratio	95.5% -0.4% YoY-2.3% QoQ	+18.5%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	Top 4.3% in tier
Delinquency Rate	0.4% +155.8% YoY-14.4% QoQ	-0.5	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	26%
Loan To Share	105.1% +2.6% YoY-0.7% QoQ	+32.9%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	Top 1.2% in tier
AMR	$33,055 -2.4% YoY-1.0% QoQ	+$8K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	Top 12.0% in tier
CD Concentration	29.0% -9.1% YoY+2.2% QoQ	+4.6%	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 (9)

Capital Constraint

risk

#2 of 23 • Bottom 4.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 105.08%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -7.45%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 14.13%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | New qualifier

Efficiency Drag

risk

#69 of 538 • Bottom 12.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 95.49%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.07% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -3.90%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#10 of 56 • Bottom 16.4% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -3.90%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -2.42%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Stagnation Risk

risk

#166 of 554 • Bottom 29.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.90%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.02%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.42%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#195 of 554 • Bottom 35.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.90%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Liquidity Strain

risk

#90 of 228 • Bottom 39.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 105.08%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -5.02%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#289 of 705 • Bottom 40.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#110 of 208 • Bottom 52.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.42%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Institutional Decline

decline

#131 of 240 • Bottom 54.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $121.86M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -3.90%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.02%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 105.08%

Peer Median: -

#13 of 1069 Top 1.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,937

Peer Median: -

#69 of 1069 Top 6.4% in 100M-500M tier

128

Average Member Relationship (AMR)

engagement

Value: $33,055

Peer Median: -

#128 of 1069 Top 11.9% in 100M-500M tier

225

Net Worth Ratio

risk

Value: 14.13%

Peer Median: -

#225 of 1069 Top 21.0% in 100M-500M tier

Top Weaknesses (13 metrics)

1054

Asset Growth Rate

growth

Value: -6.43%

Peer Median: -

#1054 of 1069 Bottom 1.5% in 100M-500M tier

1053

Deposit Growth Rate

growth

Value: -7.45%

Peer Median: -

#1053 of 1069 Bottom 1.6% in 100M-500M tier

1027

First Mortgage Concentration (%)

balance_sheet

Value: 65.17%

Peer Median: -

#1027 of 1069 Bottom 4.0% in 100M-500M tier

1024

Efficiency Ratio

profitability

Value: 95.49%

Peer Median: -

#1024 of 1069 Bottom 4.3% in 100M-500M tier

1004

Return on Assets (ROA)

profitability

Value: -0.05%

Peer Median: -

#1004 of 1069 Bottom 6.2% in 100M-500M tier

982

Total Members

engagement

Value: 6,482

Peer Median: -

#982 of 1069 Bottom 8.2% in 100M-500M tier

979

AMR Growth Rate

growth

Value: -2.42%

Peer Median: -

#979 of 1069 Bottom 8.5% in 100M-500M tier

955

Fee Income Per Member

profitability

Value: $90.15

Peer Median: -

#955 of 1069 Bottom 10.8% in 100M-500M tier

948

Loan Growth Rate

growth

Value: -5.02%

Peer Median: -

#948 of 1069 Bottom 11.4% in 100M-500M tier

923

Total Deposits

balance_sheet

Value: $104.48M

Peer Median: -

#923 of 1069 Bottom 13.8% in 100M-500M tier