BlastPoint's Credit Union Scorecard
GENERATIONS COMMUNITY
Charter #4015 · TX
GENERATIONS COMMUNITY has 3 strengths but faces 6 concerns
How does the industry compare?
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 2.4% in tier
- + Fee Income Per Member: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.0% in tier
- - Deposit Outflow: Bottom 23.5% in tier
- - Shrinking Wallet Share: Bottom 73.9% in tier
- - ROA 0.70% below tier average
- - Efficiency ratio 13.34% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,191
-0.2% YoY+0.0% QoQ
|
+8.6K |
38,575
-4.8% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$738.6M
-0.8% YoY-0.9% QoQ
|
+$116.9M |
$621.7M
+0.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 3.0% in tier |
| Loans |
$546.2M
-1.1% YoY-1.7% QoQ
|
+$116.4M |
$429.8M
-1.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 12.7% in tier |
| Deposits |
$619.9M
-2.0% YoY-1.1% QoQ
|
+$81.2M |
$538.7M
+0.6% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
85% |
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| ROA |
-0.0%
-80.0% YoY-51.6% QoQ
|
-0.7% |
0.7%
+42.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.5% in tier |
| NIM |
3.2%
+3.0% YoY+1.9% QoQ
|
-0.2% |
3.4%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
90.9%
-2.2% YoY-0.7% QoQ
|
+13.3% |
77.5%
-4.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 6.1% in tier |
| Delinquency Rate |
0.8%
-6.9% YoY+11.2% QoQ
|
-0.0 |
0.8%
-1.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
88.1%
+0.9% YoY-0.6% QoQ
|
+8.3% |
79.8%
-2.3% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$24,709
-1.4% YoY-1.4% QoQ
|
$-2K |
$26,849
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
18.9%
-1.6% YoY-2.5% QoQ
|
-5.6% | 24.4% | 21.2% | 19.8% | 30% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 7.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)