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 0.88% above tier average
- + Net Interest Margin 0.35% above tier average
- + Efficiency Ratio: Top 4.3% in tier
- + Total Deposits: Top 4.9% in tier
- + Total Assets: Top 5.3% in tier
- + Total Loans: Top 9.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +5.8% year over year ($75.2M in shares and deposits).
- Membership: 5,063 members, +1.5% vs a year ago.
- Delinquency rate 0.56%.
- Return on assets 2.37%.
- Efficiency ratio 50.27% vs a 88.77% peer average.
- Loan-to-share ratio 53.58% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,063
+1.5% YoY+0.4% QoQ
|
+2.5K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 13.0% in tier |
| Assets |
$85.8M
+4.8% YoY+1.2% QoQ
|
+$55.5M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 5.3% in tier |
| Loans |
$40.3M
+4.7% YoY+2.8% QoQ
|
+$24.8M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 10.0% in tier |
| Deposits |
$75.2M
+5.8% YoY+0.6% QoQ
|
+$49.4M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Top 5.0% in tier |
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| ROA |
2.4%
-13.9% YoY+22.6% QoQ
|
+0.9% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 6.2% in tier |
| NIM |
4.3%
-9.1% YoY+8.7% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
67% |
| Efficiency Ratio |
50.3%
+8.8% YoY-9.9% QoQ
|
-38.5% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 4.3% in tier |
| Delinquency Rate |
0.6%
+49.2% YoY-2.0% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
53.6%
-1.1% YoY+2.2% QoQ
|
-5.3% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
43% |
| AMR |
$22,801
+3.8% YoY+1.0% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 13.5% in tier |
| CD Concentration |
19.2%
+18.5% YoY-0.0% QoQ
|
-5.3% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 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)