BlastPoint's Credit Union Scorecard
BRENTWOOD BAPTIST CHURCH
Charter #24463 · TX
2596 CUs in <100M nationally
245 in TX
BRENTWOOD BAPTIST CHURCH has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 5.7% in tier
- + AMR Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.00% below tier average
- - Efficiency ratio 27.24% above tier (higher cost structure)
- - Delinquency rate 7.32% above tier average
- - Net Worth Ratio: Bottom 2.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.5% in tier
- - Average Member Relationship (AMR): Bottom 5.5% in tier
- - Total Assets: Bottom 7.6% in tier
- - Net Interest Margin (NIM): Bottom 8.3% in tier
- - Total Deposits: Bottom 8.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
626
-1.3% YoY-1.4% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$1.4M
+3.9% YoY+2.3% QoQ
|
$-28.5M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.5% in tier |
| Loans |
$942,204
+15.3% YoY-3.4% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.1% in tier |
| Deposits |
$1.3M
+4.6% YoY+2.5% QoQ
|
$-24.2M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.5% in tier |
| ROA |
-0.3%
-194.9% YoY+0.3% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.6% in tier |
| NIM |
2.5%
-13.9% YoY+9.1% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.2% in tier |
| Efficiency Ratio |
108.6%
+18.6% YoY-0.5% QoQ
|
+27.2% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 6.7% in tier |
| Delinquency Rate |
8.8%
+436.5% YoY+2.1% QoQ
|
+7.3 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.5% in tier |
| Loan To Share |
73.4%
+10.2% YoY-5.7% QoQ
|
+12.1% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$3,556
+10.3% YoY+1.4% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.5% in tier |
| CD Concentration |
13.7%
-6.5% YoY-7.4% QoQ
|
-10.7% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
150
Loan Growth Rate
growth
Value:
15.32%
Peer Avg: 59.01%
#150 of 2596
Top 5.7% in <100M tier
239
AMR Growth Rate
growth
Value:
10.30%
Peer Avg: 4.67%
#239 of 2596
Top 9.2% in <100M tier
Top Weaknesses (12 metrics)
2543
Net Worth Ratio
risk
Value:
7.19%
Peer Avg: 16.43%
#2543 of 2596
Bottom 2.1% in <100M tier
2531
Total Delinquency Rate (60+ days)
risk
Value:
8.83%
Peer Avg: 1.51%
#2531 of 2596
Bottom 2.5% in <100M tier
2454
Average Member Relationship (AMR)
engagement
Value:
$3,556
Peer Avg: $14,627
#2454 of 2596
Bottom 5.5% in <100M tier
2424
Efficiency Ratio
profitability
Value:
108.63%
Peer Avg: 81.39%
#2424 of 2596
Bottom 6.7% in <100M tier
2401
Total Assets
balance_sheet
Value:
$1.39M
Peer Avg: $29.86M
#2401 of 2596
Bottom 7.6% in <100M tier
2382
Net Interest Margin (NIM)
profitability
Value:
2.55%
Peer Avg: 3.93%
#2382 of 2596
Bottom 8.3% in <100M tier
2376
Total Deposits
balance_sheet
Value:
$1.28M
Peer Avg: $25.45M
#2376 of 2596
Bottom 8.5% in <100M tier
2369
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,505
Peer Avg: $5,488
#2369 of 2596
Bottom 8.8% in <100M tier
2333
Members Per Employee (MPE)
engagement
Value:
156.500
Peer Avg: 365.701
#2333 of 2596
Bottom 10.2% in <100M tier
2320
Return on Assets (ROA)
profitability
Value:
-0.32%
Peer Avg: 0.68%
#2320 of 2596
Bottom 10.7% in <100M tier