BlastPoint's Credit Union Scorecard
CONCHO EDUCATORS
Charter #4684 · TX
CONCHO EDUCATORS faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.52% below tier average
- - Efficiency ratio 1.25% above tier (higher cost structure)
- - Total Assets: Bottom 1.0% in tier
- - Total Deposits: Bottom 4.9% in tier
- - Net Charge-Off Rate: Bottom 6.5% in tier
- - Total Members: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,702
+0.3% YoY-0.2% QoQ
|
-8.4K |
15,145
-2.5% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 9.7% in tier |
| Assets |
$100.9M
+1.7% YoY+1.1% QoQ
|
$-130.8M |
$231.7M
+0.8% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.9% in tier |
| Loans |
$59.4M
+10.5% YoY+0.4% QoQ
|
$-84.7M |
$144.1M
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.1% in tier |
| Deposits |
$91.3M
+1.0% YoY+1.6% QoQ
|
$-109.8M |
$201.1M
+0.4% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.8% in tier |
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| ROA |
0.2%
-39.9% YoY-21.4% QoQ
|
-0.5% |
0.7%
+5.1% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
3.2%
+9.8% YoY+4.4% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
79.3%
-7.3% YoY-4.7% QoQ
|
+1.3% |
78.0%
-1.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
0.7%
+105.1% YoY-16.8% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
60% |
| Loan To Share |
65.1%
+9.5% YoY-1.2% QoQ
|
-5.3% |
70.4%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
36% |
| AMR |
$22,488
+4.2% YoY+1.3% QoQ
|
$-2K |
$24,918
+2.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
47% |
| CD Concentration |
21.4%
-3.4% YoY-2.2% QoQ
|
-2.9% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
2.7%
-45.9% YoY-15.3% QoQ
|
-11.1% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)