BlastPoint's Credit Union Scorecard
EMPOWERMENT COMMUNITY DEVELOPMENT
Charter #24769 · TX
2556 CUs in <100M nationally
243 in TX
EMPOWERMENT COMMUNITY DEVELOPMENT has 6 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.17% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 7.6% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.81% below tier average
- - Efficiency ratio 21.04% above tier (higher cost structure)
- - Delinquency rate 24.19% above tier average
- - Member decline: -4.3% YoY
- - Asset Growth Rate: Bottom 0.9% in tier
- - Deposit Growth Rate: Bottom 0.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.9% in tier
- - AMR Growth Rate: Bottom 1.5% in tier
- - Average Member Relationship (AMR): Bottom 2.5% in tier
- - Total Assets: Bottom 4.2% in tier
- - Loan Growth Rate: Bottom 4.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.9% in tier
- - Total Deposits: Bottom 5.0% in tier
- - Total Loans: Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
595
-4.3% YoY-0.2% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$757,467
-25.4% YoY+0.3% QoQ
|
$-29.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.2% in tier |
| Loans |
$455,106
-22.6% YoY-3.5% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.0% in tier |
| Deposits |
$678,974
-27.4% YoY+0.6% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.9% in tier |
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| ROA |
-0.2%
-161.5% YoY-488.2% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.6% in tier |
| NIM |
5.1%
+18.4% YoY-0.3% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 11.8% in tier |
| Efficiency Ratio |
103.6%
+11.4% YoY+4.6% QoQ
|
+21.0% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 9.0% in tier |
| Delinquency Rate |
25.7%
+140.2% QoQ
|
+24.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 0.9% in tier |
| Loan To Share |
67.0%
+6.6% YoY-4.0% QoQ
|
+6.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$1,906
-22.1% YoY-0.9% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.5% in tier |
| CD Concentration |
0.0%
-100.0% YoY
|
-24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
194
Members Per Employee (MPE)
engagement
Value:
595.000
Peer Median: -
#194 of 2556
Top 7.6% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
301
Net Interest Margin (NIM)
profitability
Value:
5.12%
Peer Median: -
#301 of 2556
Top 11.7% in <100M tier
Top Weaknesses (16 metrics)
2535
Asset Growth Rate
growth
Value:
-25.36%
Peer Median: -
#2535 of 2556
Bottom 0.9% in <100M tier
2534
Deposit Growth Rate
growth
Value:
-27.37%
Peer Median: -
#2534 of 2556
Bottom 0.9% in <100M tier
2534
Total Delinquency Rate (60+ days)
risk
Value:
25.75%
Peer Median: -
#2534 of 2556
Bottom 0.9% in <100M tier
2519
AMR Growth Rate
growth
Value:
-22.15%
Peer Median: -
#2519 of 2556
Bottom 1.5% in <100M tier
2493
Average Member Relationship (AMR)
engagement
Value:
$1,906
Peer Median: -
#2493 of 2556
Bottom 2.5% in <100M tier
2449
Total Assets
balance_sheet
Value:
$757,467
Peer Median: -
#2449 of 2556
Bottom 4.2% in <100M tier
2445
Loan Growth Rate
growth
Value:
-22.60%
Peer Median: -
#2445 of 2556
Bottom 4.4% in <100M tier
2432
Loan-to-Member Ratio (LMR)
engagement
Value:
$764.88
Peer Median: -
#2432 of 2556
Bottom 4.9% in <100M tier
2430
Total Deposits
balance_sheet
Value:
$678,974
Peer Median: -
#2430 of 2556
Bottom 5.0% in <100M tier
2376
Total Loans
balance_sheet
Value:
$455,106
Peer Median: -
#2376 of 2556
Bottom 7.1% in <100M tier