BlastPoint's Credit Union Scorecard
SELECT
Charter #3064 · TX
SELECT has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.73% below tier average
- - Efficiency ratio 13.76% above tier (higher cost structure)
- - Delinquency rate 1.03% above tier average
- - Member decline: -8.1% YoY
- - Member Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,553
-8.1% YoY-6.0% QoQ
|
+2.9K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 11.2% in tier |
| Assets |
$57.9M
-2.0% YoY-2.6% QoQ
|
+$28.0M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
82% |
| Loans |
$42.2M
-15.1% YoY-4.0% QoQ
|
+$26.4M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 8.9% in tier |
| Deposits |
$47.5M
-0.6% YoY-2.6% QoQ
|
+$22.0M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
81% |
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| ROA |
-1.0%
+3019.6% YoY+88.2% QoQ
|
-1.7% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.4% in tier |
| NIM |
3.2%
-9.0% YoY+0.3% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
23% |
| Efficiency Ratio |
95.2%
+7.1% YoY+1.4% QoQ
|
+13.8% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
84% |
| Delinquency Rate |
2.5%
+8.5% YoY+11.2% QoQ
|
+1.0 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 14.9% in tier |
| Loan To Share |
88.8%
-14.6% YoY-1.4% QoQ
|
+27.6% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 12.3% in tier |
| AMR |
$16,138
+0.1% YoY+2.9% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
63% |
| CD Concentration |
28.5%
+21.7% YoY+5.7% QoQ
|
+4.1% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)