BlastPoint's Credit Union Scorecard
REDEEMER
Charter #24867 · TX
REDEEMER has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.79% above tier average
- + Net Charge-Off Rate: Top 0.5% in tier
- + Net Worth Ratio: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 24.39% above tier (higher cost structure)
- - Delinquency rate 1.58% above tier average
- - Member decline: -4.2% YoY
- - Loan-to-Member Ratio (LMR): Bottom 9.7% in tier
- - Average Member Relationship (AMR): Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
988
-4.2% YoY-1.8% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$5.1M
-3.2% YoY+6.7% QoQ
|
$-25.1M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$1.6M
+2.5% YoY-5.6% QoQ
|
$-13.7M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
15% |
| Deposits |
$3.6M
-1.6% YoY+9.7% QoQ
|
$-22.2M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
0.3%
-164.9% YoY-115.2% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
36% |
| NIM |
4.8%
-11.3% YoY-12.2% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
85% |
| Efficiency Ratio |
115.0%
+5.6% YoY+11.1% QoQ
|
+24.4% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.2% in tier |
| Delinquency Rate |
3.1%
-77.0% YoY-26.2% QoQ
|
+1.6 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.0% in tier |
| Loan To Share |
43.5%
+4.2% YoY-13.9% QoQ
|
-15.0% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$5,243
+3.9% YoY+6.5% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.8% in tier |
| CD Concentration |
11.7%
+49.2% YoY+22.8% QoQ
|
-12.5% | 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)