BlastPoint's Credit Union Scorecard
CITY PUBLIC SERVICE/IBEW
Charter #3710 · TX
CITY PUBLIC SERVICE/IBEW has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,888
+0.3% YoY+0.0% QoQ
|
+1.3K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
78% |
| Assets |
$54.1M
+9.1% YoY+1.5% QoQ
|
+$24.2M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
80% |
| Loans |
$21.0M
-2.2% YoY-1.3% QoQ
|
+$5.2M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$47.1M
+9.9% YoY+1.0% QoQ
|
+$21.7M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
80% |
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| ROA |
0.6%
+40.4% YoY+28.8% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
3.7%
+2.8% YoY+1.4% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
80.7%
-6.0% YoY-2.9% QoQ
|
-0.7% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
56% |
| Delinquency Rate |
1.3%
+153.3% YoY-0.0% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
44.6%
-11.0% YoY-2.3% QoQ
|
-16.7% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$17,526
+5.5% YoY+0.2% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
69% |
| CD Concentration |
33.4%
+21.6% YoY+4.4% QoQ
|
+8.9% |
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)