BlastPoint's Credit Union Scorecard
SELECT
Charter #3064 · TX
SELECT has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 33.83% above tier (higher cost structure)
- - Member decline: -8.5% YoY
- - Loan Growth Rate: Bottom 7.6% in tier
- - Member Growth Rate: Bottom 8.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -1.3% year over year ($48.1M in shares and deposits).
- Membership: 5,402 members, -8.5% vs a year ago.
- Delinquency rate 0.83%.
- Return on assets 1.66%.
- Efficiency ratio 122.59% vs a 88.77% peer average.
- Loan-to-share ratio 74.12% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,402
-8.5% YoY-1.1% QoQ
|
+2.8K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 11.3% in tier |
| Assets |
$57.7M
-2.9% YoY-1.5% QoQ
|
+$27.4M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$35.6M
-18.9% YoY-5.5% QoQ
|
+$20.2M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 13.3% in tier |
| Deposits |
$48.1M
-1.3% YoY-1.2% QoQ
|
+$22.3M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
81% |
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| ROA |
1.7%
-398.5% YoY-290.0% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
2.8%
-10.9% YoY-0.5% QoQ
|
-1.1% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 12.6% in tier |
| Efficiency Ratio |
122.6%
+30.7% YoY+12.1% QoQ
|
+33.8% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.7% in tier |
| Delinquency Rate |
0.8%
-63.6% YoY-7.4% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
74.1%
-17.8% YoY-4.4% QoQ
|
+15.2% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$15,495
-1.2% YoY-2.0% QoQ
|
+$533 |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
58% |
| CD Concentration |
32.6%
+20.7% YoY+6.0% QoQ
|
+8.0% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)