BlastPoint's Credit Union Scorecard
REDEEMER
Charter #24867 · TX
REDEEMER has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.51% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.73% below tier average
- - Efficiency ratio 20.99% above tier (higher cost structure)
- - Delinquency rate 2.62% above tier average
- - Member decline: -3.5% YoY
- - Net Charge-Off Rate: Bottom 1.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.0% in tier
- - Average Member Relationship (AMR): Bottom 9.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,006
-3.5% YoY-1.6% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$4.8M
-4.8% YoY+2.7% QoQ
|
$-25.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$1.7M
-4.7% YoY-5.0% QoQ
|
$-14.1M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
15% |
| Deposits |
$3.3M
-3.6% YoY+4.8% QoQ
|
$-22.4M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
-2.1%
-4914.5% YoY-17.0% QoQ
|
-2.7% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.1% in tier |
| NIM |
5.5%
-28.7% YoY-0.5% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 7.7% in tier |
| Efficiency Ratio |
103.6%
+14.5% YoY-3.1% QoQ
|
+21.0% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 9.2% in tier |
| Delinquency Rate |
4.2%
-58.8% YoY-28.9% QoQ
|
+2.6 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 8.0% in tier |
| Loan To Share |
50.5%
-1.2% YoY-9.3% QoQ
|
-10.1% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$4,924
-0.4% YoY+2.9% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.9% in tier |
| CD Concentration |
9.6%
+13.8% YoY-4.2% QoQ
|
-14.9% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)