BlastPoint's Credit Union Scorecard
IRVING CITY EMPLOYEES
Charter #24481 · TX
IRVING CITY EMPLOYEES demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.11% above tier average
- + Net Interest Margin 0.76% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 4.1% in tier
- + Total Deposits: Top 6.5% in tier
- + Total Assets: Top 6.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,016
+1.3% YoY+0.6% QoQ
|
+2.4K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 13.9% in tier |
| Assets |
$82.1M
+5.4% YoY+0.3% QoQ
|
+$52.2M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 6.7% in tier |
| Loans |
$38.7M
+3.3% YoY+0.6% QoQ
|
+$22.9M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 11.4% in tier |
| Deposits |
$70.6M
+4.5% YoY-0.6% QoQ
|
+$45.2M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 6.5% in tier |
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| ROA |
2.8%
+23.1% YoY+1.3% QoQ
|
+2.1% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 2.7% in tier |
| NIM |
4.7%
+9.2% YoY+0.4% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
79% |
| Efficiency Ratio |
45.7%
-11.3% YoY-1.0% QoQ
|
-35.7% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.1% in tier |
| Delinquency Rate |
0.4%
-34.6% YoY+0.2% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
36% |
| Loan To Share |
54.8%
-1.1% YoY+1.2% QoQ
|
-6.4% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$21,796
+2.8% YoY-0.8% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Top 14.7% in tier |
| CD Concentration |
17.9%
+24.0% YoY+10.4% QoQ
|
-6.5% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)