BlastPoint's Credit Union Scorecard

BRENTWOOD BAPTIST CHURCH

Charter #24463 · TX

<100M

2508 CUs in <100M nationally 237 in TX

BRENTWOOD BAPTIST CHURCH faces 8 concerns requiring attention

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.30% below tier average
- Efficiency ratio 13.07% above tier (higher cost structure)
- Delinquency rate 0.85% above tier average
- Net Worth Ratio: Bottom 3.5% in tier
- Average Member Relationship (AMR): Bottom 5.1% in tier
- Total Assets: Bottom 7.0% in tier
- Total Deposits: Bottom 7.9% in tier
- Loan-to-Member Ratio (LMR): Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	624 -1.6% YoY+0.3% QoQ	-2.1K	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	17%
Assets	$1.3M -4.5% YoY+3.1% QoQ	$-28.9M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Bottom 7.0% in tier
Loans	$883,985 -6.9% YoY-0.4% QoQ	$-14.4M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Bottom 10.8% in tier
Deposits	$1.2M -4.9% YoY+3.3% QoQ	$-24.6M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Bottom 7.9% 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	-0.2% +12.4% YoY-22.8% QoQ	-0.3%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	18%
NIM	2.6% -1.0% YoY-5.9% QoQ	-1.4%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Bottom 9.4% in tier
Efficiency Ratio	103.7% +0.0% YoY-1.3% QoQ	+13.1%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 13.4% in tier
Delinquency Rate	2.4% -73.5% YoY-73.0% QoQ	+0.8	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	84%
Loan To Share	72.4% -2.1% YoY-3.6% QoQ	+13.9%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	71%
AMR	$3,374 -4.2% YoY+1.4% QoQ	$-12K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Bottom 5.1% in tier
CD Concentration	14.4% +2.2% YoY-3.1% QoQ	-9.9%	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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% 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

Top Weaknesses (15 metrics)

2422

Net Worth Ratio

risk

Value: 7.52%

Peer Median: 14.28%

#2422 of 2508 Bottom 3.5% in <100M tier

2380

Average Member Relationship (AMR)

engagement

Value: $3,374

Peer Median: $13,926

#2380 of 2508 Bottom 5.1% in <100M tier

2333

Total Assets

balance_sheet

Value: $1.33M

Peer Median: $21.86M

#2333 of 2508 Bottom 7.0% in <100M tier

2311

Total Deposits

balance_sheet

Value: $1.22M

Peer Median: $18.77M

#2311 of 2508 Bottom 7.9% in <100M tier

2296

Loan-to-Member Ratio (LMR)

engagement

Value: $1,417

Peer Median: $4,923

#2296 of 2508 Bottom 8.5% in <100M tier

2273

Net Interest Margin (NIM)

profitability

Value: 2.60%

Peer Median: 3.83%

#2273 of 2508 Bottom 9.4% in <100M tier

2253

Members Per Employee (MPE)

engagement

Value: 156.000

Peer Median: 333.750

#2253 of 2508 Bottom 10.2% in <100M tier

2238

Total Loans

balance_sheet

Value: $883,985

Peer Median: $9.48M

#2238 of 2508 Bottom 10.8% in <100M tier

2174

Efficiency Ratio

profitability

Value: 103.71%

Peer Median: 81.45%

#2174 of 2508 Bottom 13.4% in <100M tier

2119

Total Delinquency Rate (60+ days)

risk

Value: 2.35%

Peer Median: 0.65%

#2119 of 2508 Bottom 15.6% in <100M tier