BlastPoint's Credit Union Scorecard

SELECT

Charter #3064 · TX

<100M

2508 CUs in <100M nationally 237 in TX

SELECT faces 5 concerns requiring attention

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 1.02% below tier average
- Efficiency ratio 18.73% above tier (higher cost structure)
- Member decline: -8.0% YoY
- Loan Growth Rate: Bottom 8.5% in tier
- Member Growth Rate: Bottom 8.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	5,462 -8.0% YoY-0.4% QoQ	+2.8K	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Top 11.0% in tier
Assets	$58.6M -2.3% YoY+1.9% QoQ	+$28.4M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	82%
Loans	$37.7M -17.7% YoY-4.8% QoQ	+$22.4M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Top 11.4% in tier
Deposits	$48.6M -1.1% YoY+2.5% QoQ	+$22.9M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	81%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.9% +85.7% YoY-42.4% QoQ	-1.0%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 9.1% in tier
NIM	2.8% -10.5% YoY-10.7% QoQ	-1.2%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Bottom 13.9% in tier
Efficiency Ratio	109.4% +17.0% YoY+9.8% QoQ	+18.7%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 9.9% in tier
Delinquency Rate	0.9% +11.0% YoY-22.1% QoQ	-0.6	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	61%
Loan To Share	77.5% -16.8% YoY-7.1% QoQ	+19.0%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	79%
AMR	$15,812 -1.1% YoY-0.4% QoQ	+$928	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	60%
CD Concentration	30.7% +24.5% YoY+5.5% QoQ	+6.5%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

276

Total Members

engagement

Value: 5,462

Peer Median: 1,918

#276 of 2508 Top 11.0% in <100M tier

287

Total Loans

balance_sheet

Value: $37.72M

Peer Median: $9.48M

#287 of 2508 Top 11.4% in <100M tier

452

Total Assets

balance_sheet

Value: $58.56M

Peer Median: $21.86M

#452 of 2508 Top 18.0% in <100M tier

475

Total Deposits

balance_sheet

Value: $48.65M

Peer Median: $18.77M

#475 of 2508 Top 18.9% in <100M tier

529

Loan-to-Share Ratio

balance_sheet

Value: 77.54%

Peer Median: 58.72%

#529 of 2508 Top 21.1% in <100M tier

Top Weaknesses (7 metrics)

2296

Loan Growth Rate

growth

Value: -17.72%

Peer Median: -2.36%

#2296 of 2508 Bottom 8.5% in <100M tier

2293

Member Growth Rate

growth

Value: -8.05%

Peer Median: -1.37%

#2293 of 2508 Bottom 8.6% in <100M tier

2280

Return on Assets (ROA)

profitability

Value: -0.87%

Peer Median: 0.61%

#2280 of 2508 Bottom 9.1% in <100M tier

2261

Efficiency Ratio

profitability

Value: 109.37%

Peer Median: 81.45%

#2261 of 2508 Bottom 9.9% in <100M tier

2159

Net Interest Margin (NIM)

profitability

Value: 2.83%

Peer Median: 3.83%

#2159 of 2508 Bottom 14.0% in <100M tier

2125

Net Charge-Off Rate

risk

Value: 0.92%

Peer Median: 0.07%

#2125 of 2508 Bottom 15.3% in <100M tier

2095

Share Certificate Concentration (%)

balance_sheet

Value: 30.73%

Peer Median: 12.45%

#2095 of 2508 Bottom 16.5% in <100M tier