BlastPoint's Credit Union Scorecard
ACFCU
Charter #5168 · TX
ACFCU has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 19.2% in tier
- + Strong member growth: 5.0% YoY
- + Fee Income Per Member: Top 7.7% in tier
- + Total Members: Top 8.3% in tier
- + Member Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.9% in tier
- - Shrinking Wallet Share: Bottom 6.9% in tier
- - Indirect Auto Dependency: Bottom 18.5% in tier
- - ROA 0.20% below tier average
- - AMR Growth Rate: Bottom 4.9% in tier
- - Loan Growth Rate: Bottom 8.9% in tier
- - Net Worth Ratio: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,820
+5.0% YoY-2.1% QoQ
|
+13.2K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 8.4% in tier |
| Assets |
$305.9M
+5.1% YoY-0.3% QoQ
|
+$74.6M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
74% |
| Loans |
$205.7M
-6.4% YoY+2.8% QoQ
|
+$57.9M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
77% |
| Deposits |
$285.4M
+5.7% YoY+0.1% QoQ
|
+$85.1M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
79% |
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| ROA |
0.6%
-160.0% YoY+16.8% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
2.8%
+26.6% YoY+1.7% QoQ
|
-0.8% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio |
75.7%
-30.6% YoY+1.5% QoQ
|
-1.6% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.8%
+135.6% YoY-27.7% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
72.1%
-11.4% YoY+2.7% QoQ
|
-0.6% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$17,039
-4.5% YoY+3.4% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
38.1%
+11.7% YoY+4.4% QoQ
|
+13.7% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
30.8%
-13.2% YoY-7.5% QoQ
|
+16.8% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)