BlastPoint's Credit Union Scorecard
EMPOWERMENT COMMUNITY DEVELOPMENT
Charter #24769 · TX
EMPOWERMENT COMMUNITY DEVELOPMENT has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 16.35% below tier average
- - Efficiency ratio 113.82% above tier (higher cost structure)
- - Delinquency rate 24.08% above tier average
- - Member decline: -4.4% YoY
- - Asset Growth Rate: Bottom 0.6% in tier
- - Deposit Growth Rate: Bottom 0.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.8% in tier
- - AMR Growth Rate: Bottom 1.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
583
-4.4% YoY-2.0% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$705,399
-29.8% YoY-6.9% QoQ
|
$-29.5M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.0% in tier |
| Loans |
$426,577
-26.6% YoY-6.3% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.9% in tier |
| Deposits |
$657,414
-28.7% YoY-3.2% QoQ
|
$-25.1M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.7% in tier |
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| ROA |
-16.2%
-3065.5% YoY+8312.6% QoQ
|
-16.4% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.6% in tier |
| NIM |
3.8%
-17.8% YoY-26.3% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
48% |
| Efficiency Ratio |
204.5%
+130.6% YoY+97.3% QoQ
|
+113.8% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.7% in tier |
| Delinquency Rate |
25.6%
-0.6% QoQ
|
+24.1 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.8% in tier |
| Loan To Share |
64.9%
+3.0% YoY-3.2% QoQ
|
+6.4% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
59% |
| AMR |
$1,859
-24.5% YoY-2.4% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.4% in tier |
| CD Concentration |
0.0%
-100.0% YoY
|
-24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)