BlastPoint's Credit Union Scorecard
MOUNT OLIVE BAPTIST CHURCH
Charter #24605 · TX
MOUNT OLIVE BAPTIST CHURCH faces 3 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Delinquency rate 1.30% above tier average
- - Net Charge-Off Rate: Bottom 3.0% in tier
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 +0.2% year over year ($8.8M in shares and deposits).
- Membership: 1,338 members, +3.2% vs a year ago.
- Delinquency rate 2.84%.
- Return on assets 0.82%.
- Efficiency ratio 70.20% vs a 88.77% peer average.
- Loan-to-share ratio 67.75% 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 |
1,338
+3.2% YoY+2.1% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
37% |
| Assets |
$10.7M
-1.5% YoY+1.2% QoQ
|
$-19.6M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$6.0M
-6.2% YoY-4.5% QoQ
|
$-9.5M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$8.8M
+0.2% YoY+0.8% QoQ
|
$-17.0M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
33% |
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| ROA |
0.8%
-36.7% YoY-127.5% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
3.3%
-14.2% YoY-0.0% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
70.2%
+29.9% YoY-10.2% QoQ
|
-18.6% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
2.8%
-46.8% YoY-24.4% QoQ
|
+1.3 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 14.0% in tier |
| Loan To Share |
67.7%
-6.4% YoY-5.3% QoQ
|
+8.9% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$11,074
-5.6% YoY-3.4% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
34% |
| CD Concentration |
8.3%
+71.5% YoY+10.4% QoQ
|
-16.2% | 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)