BlastPoint's Credit Union Scorecard
SELECT
Charter #3064 · TX
SELECT has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.14% below tier average
- - Efficiency ratio 17.06% above tier (higher cost structure)
- - Member decline: -8.4% YoY
- - Net Charge-Off Rate: Bottom 6.5% in tier
- - Member Growth Rate: Bottom 7.4% in tier
- - Loan Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,486
-8.4% YoY-1.2% QoQ
|
+2.9K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 11.3% in tier |
| Assets |
$57.5M
-2.8% YoY-0.7% QoQ
|
+$27.3M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$39.6M
-16.2% YoY-6.1% QoQ
|
+$23.8M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 10.6% in tier |
| Deposits |
$47.5M
-1.7% YoY+0.0% QoQ
|
+$21.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
-1.5%
+85.0% YoY+45.0% QoQ
|
-2.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.1% in tier |
| NIM |
3.2%
-7.6% YoY-0.0% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
99.6%
+9.6% YoY+4.7% QoQ
|
+17.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 11.4% in tier |
| Delinquency Rate |
1.2%
-20.9% YoY-54.5% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
83.4%
-14.8% YoY-6.1% QoQ
|
+22.8% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$15,873
-0.5% YoY-1.6% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
29.1%
+18.1% YoY+2.1% QoQ
|
+4.7% | 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)