BlastPoint's Credit Union Scorecard
GENERATIONS COMMUNITY
Charter #4015 · TX
GENERATIONS COMMUNITY has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 15.5% in tier
- - Credit Quality Pressure: Bottom 40.7% in tier
- - Shrinking Wallet Share: Bottom 91.9% in tier
- - Deposit Outflow: Bottom 93.4% in tier
- - ROA 0.44% below tier average
- - Efficiency ratio 13.82% above tier (higher cost structure)
- - Total Assets: Bottom 0.9% in tier
- - Deposit Growth Rate: Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,193
-0.4% YoY+0.0% QoQ
|
-4.3K |
51,500
+0.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
39% |
| Assets |
$750.4M
+1.7% YoY+1.6% QoQ
|
$-115.2M |
$865.6M
+0.9% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.1% in tier |
| Loans |
$528.6M
-3.4% YoY-3.2% QoQ
|
$-66.7M |
$595.3M
+1.6% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
29% |
| Deposits |
$624.6M
-3.1% YoY+0.8% QoQ
|
$-117.6M |
$742.2M
+0.6% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-293.8% YoY
|
-0.4% |
0.8%
+45.0% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
3.3%
+5.4% YoY+2.1% QoQ
|
-0.2% |
3.5%
+6.1% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
38% |
| Efficiency Ratio |
89.4%
-5.1% YoY-1.6% QoQ
|
+13.8% |
75.5%
-3.4% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.7% in tier |
| Delinquency Rate |
0.7%
+11.5% YoY-15.3% QoQ
|
+0.0 |
0.7%
-0.1% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
62% |
| Loan To Share |
84.6%
-0.3% YoY-4.0% QoQ
|
+4.0% |
80.6%
+0.7% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$24,435
-2.9% YoY-1.1% QoQ
|
$-4K |
$28,908
+0.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
40% |
| CD Concentration |
18.8%
+4.7% YoY-0.5% QoQ
|
-5.5% | 24.3% | 21.3% | 19.8% | 31% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)