BlastPoint's Credit Union Scorecard
SECURITY FIRST
Charter #5547 · TX
SECURITY FIRST has 3 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.03% above tier average
- + First Mortgage Concentration (%): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 17.0% in tier
- - Credit Quality Pressure: Bottom 17.8% in tier
- - Credit Risk Growth: Bottom 43.3% in tier
- - Stagnation Risk: Bottom 50.8% in tier
- - Membership Headwinds: Bottom 58.8% in tier
- - Delinquency rate 0.78% above tier average
- - Member decline: -2.2% YoY
- - Indirect Auto Concentration (%): Bottom 1.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,557
-2.2% YoY-1.8% QoQ
|
+3.0K |
38,575
-4.8% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
61% |
| Assets |
$521.1M
+2.8% YoY+0.7% QoQ
|
$-100.6M |
$621.7M
+0.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.7% in tier |
| Loans |
$359.4M
+3.0% YoY-2.2% QoQ
|
$-70.4M |
$429.8M
-1.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$457.1M
+1.3% YoY+0.2% QoQ
|
$-81.6M |
$538.7M
+0.6% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.9% in tier |
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| ROA |
0.9%
+19.4% YoY+5.9% QoQ
|
+0.2% |
0.7%
+42.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
3.5%
+4.2% YoY+1.6% QoQ
|
+0.0% |
3.4%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
74.0%
-1.0% YoY+0.4% QoQ
|
-3.5% |
77.5%
-4.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
1.6%
+44.0% YoY+12.5% QoQ
|
+0.8 |
0.8%
-1.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 11.5% in tier |
| Loan To Share |
78.6%
+1.7% YoY-2.5% QoQ
|
-1.2% |
79.8%
-2.3% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$19,650
+4.3% YoY+0.9% QoQ
|
$-7K |
$26,849
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.3% in tier |
| CD Concentration |
23.8%
-13.3% YoY-4.4% QoQ
|
-0.6% | 24.4% | 21.2% | 19.8% | 48% |
| Indirect Auto % |
64.3%
+9.7% YoY+0.7% QoQ
|
+50.5% | 13.8% | 7.1% | 7.8% | Top 1.6% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)