BlastPoint's Credit Union Scorecard

IRVING CITY EMPLOYEES

Charter #24481 · TX

<100M

2508 CUs in <100M nationally 237 in TX

IRVING CITY EMPLOYEES demonstrates 4 strengths

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 1.79% above tier average
+ Total Deposits: Top 5.0% in tier
+ Total Assets: Top 5.7% in tier
+ Efficiency Ratio: Top 8.3% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	5,045 +1.3% YoY+0.6% QoQ	+2.4K	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Top 13.0% in tier
Assets	$84.7M +3.8% YoY+0.5% QoQ	+$54.5M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Top 5.7% in tier
Loans	$39.2M +1.6% YoY+1.7% QoQ	+$23.9M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Top 10.2% in tier
Deposits	$74.7M +5.0% YoY+0.1% QoQ	+$49.0M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Top 5.0% 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	1.9% -14.2% YoY	+1.8%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Top 7.4% in tier
NIM	3.9% -6.7% YoY+110.7% QoQ	-0.1%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	54%
Efficiency Ratio	55.8% +8.5% YoY-44.8% QoQ	-34.8%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Top 8.3% in tier
Delinquency Rate	0.6% +270.7% YoY+18.3% QoQ	-0.9	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	46%
Loan To Share	52.4% -3.3% YoY+1.6% QoQ	-6.1%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	40%
AMR	$22,578 +2.4% YoY+0.1% QoQ	+$8K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Top 13.5% in tier
CD Concentration	19.2% +23.2% YoY+7.7% QoQ	-5.1%	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 (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

126

Total Deposits

balance_sheet

Value: $74.74M

Peer Median: $18.77M

#126 of 2508 Top 5.0% in <100M tier

144

Total Assets

balance_sheet

Value: $84.72M

Peer Median: $21.86M

#144 of 2508 Top 5.7% in <100M tier

186

Return on Assets (ROA)

profitability

Value: 1.93%

Peer Median: 0.61%

#186 of 2508 Top 7.4% in <100M tier

208

Efficiency Ratio

profitability

Value: 55.80%

Peer Median: 81.45%

#208 of 2508 Top 8.3% in <100M tier

255

Total Loans

balance_sheet

Value: $39.16M

Peer Median: $9.48M

#255 of 2508 Top 10.1% in <100M tier

327

Total Members

engagement

Value: 5,045

Peer Median: 1,918

#327 of 2508 Top 13.0% in <100M tier

339

Average Member Relationship (AMR)

engagement

Value: $22,578

Peer Median: $13,926

#339 of 2508 Top 13.5% in <100M tier

483

Loan-to-Member Ratio (LMR)

engagement

Value: $7,763

Peer Median: $4,923

#483 of 2508 Top 19.2% in <100M tier

484

Members Per Employee (MPE)

engagement

Value: 458.636

Peer Median: 333.750

#484 of 2508 Top 19.3% in <100M tier

Top Weaknesses (0 metrics)

No weakness rankings available