BlastPoint's Credit Union Scorecard

MID-TEX

Charter #24454 · TX

<100M

2508 CUs in <100M nationally 237 in TX

MID-TEX has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.85% above tier average
+ Net Interest Margin 0.45% above tier average

Key Concerns

Areas that may need attention

- Net Worth Ratio: Bottom 9.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	3,197 -1.1% YoY+0.7% QoQ	+520	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	70%
Assets	$36.9M +3.3% YoY+1.2% QoQ	+$6.7M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	66%
Loans	$21.2M +6.2% YoY+1.3% QoQ	+$5.9M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	73%
Deposits	$34.0M +4.8% YoY+3.1% QoQ	+$8.3M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	69%

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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	1.0% +70.8% YoY+23.2% QoQ	+0.9%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	69%
NIM	4.5% +7.3% YoY+1.9% QoQ	+0.4%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	75%
Efficiency Ratio	84.0% -4.6% YoY-2.0% QoQ	-6.6%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	1.1% +160.4% YoY+269.0% QoQ	-0.5	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	65%
Loan To Share	62.2% +1.3% YoY-1.7% QoQ	+3.7%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	56%
AMR	$17,276 +6.4% YoY+1.7% QoQ	+$2K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	66%
CD Concentration	7.8% +29.2% YoY+4.3% QoQ	-16.4%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

281

Fee Income Per Member

profitability

Value: $150.98

Peer Median: $60.42

#281 of 2508 Top 11.2% in <100M tier

427

Loan Growth Rate

growth

Value: 6.16%

Peer Median: -2.36%

#427 of 2508 Top 17.0% in <100M tier

474

AMR Growth Rate

growth

Value: 6.45%

Peer Median: 1.27%

#474 of 2508 Top 18.9% 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

612

Deposit Growth Rate

growth

Value: 4.81%

Peer Median: 0.66%

#612 of 2508 Top 24.4% in <100M tier

620

Net Interest Margin (NIM)

profitability

Value: 4.46%

Peer Median: 3.83%

#620 of 2508 Top 24.7% in <100M tier

Top Weaknesses (2 metrics)

2260

Net Worth Ratio

risk

Value: 8.98%

Peer Median: 14.28%

#2260 of 2508 Bottom 9.9% in <100M tier

1979

First Mortgage Concentration (%)

balance_sheet

Value: 29.49%

Peer Median: 3.66%

#1979 of 2508 Bottom 21.1% in <100M tier