BlastPoint's Credit Union Scorecard
SECURITY FIRST
Charter #5547 · TX
SECURITY FIRST has 3 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 31.5% in tier
- + ROA 0.19% above tier average
- + First Mortgage Concentration (%): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 5.8% in tier
- - Credit Risk Growth: Bottom 11.4% in tier
- - Credit Quality Pressure: Bottom 14.8% in tier
- - Delinquency rate 0.65% above tier average
- - Indirect Auto Concentration (%): Bottom 1.8% in tier
- - Total Assets: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,309
+0.6% YoY+0.6% QoQ
|
+2.6K |
39,752
-2.7% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
61% |
| Assets |
$517.5M
+3.0% YoY-1.2% QoQ
|
$-104.8M |
$622.4M
+0.3% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.9% in tier |
| Loans |
$367.7M
+7.6% YoY+0.5% QoQ
|
$-68.3M |
$435.9M
-0.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$456.1M
+1.6% YoY-1.5% QoQ
|
$-81.9M |
$538.0M
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.7% in tier |
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| ROA |
0.8%
+184.8% YoY-23.2% QoQ
|
+0.2% |
0.7%
+33.9% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
66% |
| NIM |
3.4%
+3.5% YoY+1.9% QoQ
|
-0.0% |
3.4%
+8.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
47% |
| Efficiency Ratio |
73.7%
-2.5% YoY-0.7% QoQ
|
-4.4% |
78.1%
-3.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate |
1.4%
+15.5% YoY+1.2% QoQ
|
+0.6 |
0.8%
-4.9% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 14.2% in tier |
| Loan To Share |
80.6%
+5.9% YoY+2.0% QoQ
|
-0.4% |
81.0%
-1.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$19,472
+3.5% YoY-1.3% QoQ
|
$-7K |
$26,482
+2.6% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.2% in tier |
| CD Concentration |
24.9%
-8.1% YoY+0.0% QoQ
|
+0.5% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
52% |
| Indirect Auto % |
63.9%
+13.2% YoY+0.9% QoQ
|
+49.9% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Top 1.6% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)