BlastPoint's Credit Union Scorecard
CONCHO EDUCATORS
Charter #4684 · TX
CONCHO EDUCATORS has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 0.5% in tier
- + Total Assets: Top 0.9% in tier
- + Total Loans: Top 3.0% in tier
- + Fee Income Per Member: Top 6.2% in tier
- + Total Members: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 3.46% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,677
-0.3% YoY+0.0% QoQ
|
+4.1K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 6.9% in tier |
| Assets |
$97.0M
-2.0% YoY-0.3% QoQ
|
+$67.2M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 0.9% in tier |
| Loans |
$56.1M
+6.2% YoY+3.9% QoQ
|
+$40.3M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 3.0% in tier |
| Deposits |
$87.4M
-3.4% YoY-0.8% QoQ
|
+$62.0M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 0.5% in tier |
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| ROA |
0.3%
-19.9% YoY-19.8% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
3.0%
+5.2% YoY+2.0% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
84.9%
+8.1% YoY-0.4% QoQ
|
+3.5% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.3%
+42.2% YoY-16.8% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
64.2%
+9.9% YoY+4.7% QoQ
|
+2.9% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$21,496
+0.4% YoY+1.0% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
84% |
| CD Concentration |
22.8%
+3.8% YoY+0.1% QoQ
|
-1.6% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.7%
-40.3% YoY-17.4% QoQ
|
-10.2% |
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)