BlastPoint's Credit Union Scorecard
BRENTWOOD BAPTIST CHURCH
Charter #24463 · TX
BRENTWOOD BAPTIST CHURCH has 2 strengths but faces 9 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
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Efficiency ratio 22.49% above tier (higher cost structure)
- - Delinquency rate 7.16% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.7% in tier
- - Net Worth Ratio: Bottom 4.0% in tier
- - Average Member Relationship (AMR): Bottom 5.0% in tier
- - Total Assets: Bottom 6.9% in tier
- - Total Deposits: Bottom 7.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
622
+3.2% YoY-0.6% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$1.3M
+1.2% YoY-7.3% QoQ
|
$-28.9M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.9% in tier |
| Loans |
$887,296
+5.0% YoY-5.8% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.3% in tier |
| Deposits |
$1.2M
+1.5% YoY-7.9% QoQ
|
$-24.5M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.8% in tier |
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| ROA |
-0.2%
-224.5% YoY-36.5% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.4% in tier |
| NIM |
2.8%
-7.4% YoY+8.7% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.0% in tier |
| Efficiency Ratio |
105.1%
+9.5% YoY-3.3% QoQ
|
+22.5% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 8.1% in tier |
| Delinquency Rate |
8.7%
+448.0% YoY-1.3% QoQ
|
+7.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 2.7% in tier |
| Loan To Share |
75.1%
+3.4% YoY+2.3% QoQ
|
+14.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$3,327
-0.2% YoY-6.4% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.0% in tier |
| CD Concentration |
14.9%
-3.6% YoY+8.6% QoQ
|
-9.5% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)