BlastPoint's Credit Union Scorecard
SECURITY FIRST
Charter #5547 · TX
SECURITY FIRST has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.95% above tier average
- + First Mortgage Concentration (%): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 13.1% in tier
- - Credit Quality Pressure: Bottom 22.2% in tier
- - Indirect Auto Dependency: Bottom 84.3% in tier
- - Stagnation Risk: Bottom 91.4% in tier
- - Membership Headwinds: Bottom 91.4% in tier
- - Delinquency rate 0.62% above tier average
- - Member decline: -5.4% YoY
- - Indirect Auto Concentration (%): Bottom 1.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
40,489
-5.4% YoY-2.6% QoQ
|
+2.4K |
38,079
-4.8% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
61% |
| Assets |
$521.3M
-0.2% YoY+0.0% QoQ
|
$-98.3M |
$619.7M
-0.2% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.8% in tier |
| Loans |
$360.0M
-0.0% YoY+0.2% QoQ
|
$-59.3M |
$419.3M
-1.4% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$454.9M
-2.0% YoY-0.5% QoQ
|
$-84.6M |
$539.5M
-0.1% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.4% in tier |
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| ROA |
1.6%
+46.1% YoY+82.9% QoQ
|
+0.9% |
0.7%
+36.0% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 6.6% in tier |
| NIM |
3.4%
+5.9% YoY-1.4% QoQ
|
+0.0% |
3.5%
+4.5% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
78.2%
+9.6% YoY+5.6% QoQ
|
-0.2% |
78.4%
-3.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
47% |
| Delinquency Rate |
1.3%
+22.2% YoY-18.5% QoQ
|
+0.6 |
0.7%
-0.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.2% in tier |
| Loan To Share |
79.1%
+2.0% YoY+0.7% QoQ
|
+1.5% |
77.7%
-1.2% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$20,126
+4.5% YoY+2.4% QoQ
|
$-7K |
$26,927
+3.1% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration |
22.7%
-13.0% YoY-4.9% QoQ
|
-1.6% | 24.3% | 21.3% | 19.8% | 44% |
| Indirect Auto % |
65.5%
+6.7% YoY+1.8% QoQ
|
+51.7% | 13.8% | 6.9% | 7.7% | Bottom 1.6% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
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.
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.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)