BlastPoint's Credit Union Scorecard
SACRED HEART PARISH HALLETTSVILLE
Charter #3946 · TX
SACRED HEART PARISH HALLETTSVILLE has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 4.1% in tier
- + Loan-to-Member Ratio (LMR): Top 5.8% in tier
- + Deposit Growth Rate: Top 7.6% in tier
- + Asset Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,770
+0.4% YoY+0.4% QoQ
|
+144 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$58.3M
+10.4% YoY+2.7% QoQ
|
+$28.4M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
82% |
| Loans |
$31.1M
+5.4% YoY+2.0% QoQ
|
+$15.3M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$51.8M
+10.9% YoY+2.6% QoQ
|
+$26.4M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
83% |
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| ROA |
0.6%
-33.8% YoY+10.1% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
3.2%
-3.5% YoY-1.3% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
23% |
| Efficiency Ratio |
78.4%
+6.9% YoY-3.2% QoQ
|
-3.0% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.2%
+85.3% YoY+3.1% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
28% |
| Loan To Share |
59.9%
-4.9% YoY-0.6% QoQ
|
-1.3% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$29,930
+8.3% YoY+2.0% QoQ
|
+$15K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Top 4.1% in tier |
| CD Concentration |
15.6%
+1.9% YoY-6.1% QoQ
|
-8.8% |
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)