BlastPoint's Credit Union Scorecard
CITY
Charter #5665 · TX
2556 CUs in <100M nationally
243 in TX
CITY has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.4% in tier
- + Average Member Relationship (AMR): Top 0.4% in tier
- + Total Loans: Top 0.5% in tier
- + AMR Growth Rate: Top 1.4% in tier
- + Loan-to-Share Ratio: Top 3.2% in tier
- + Total Assets: Top 6.1% in tier
- + Total Deposits: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.70% below tier average
- - Delinquency rate 0.23% above tier average
- - Member decline: -39.2% YoY
- - Member Growth Rate: Bottom 0.7% in tier
- - Asset Growth Rate: Bottom 1.0% in tier
- - Deposit Growth Rate: Bottom 1.1% in tier
- - Loan Growth Rate: Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,796
-39.2% YoY-9.1% QoQ
|
+180 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$84.1M
-22.4% YoY-3.4% QoQ
|
+$54.0M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 6.2% in tier |
| Loans |
$72.1M
-18.1% YoY-4.5% QoQ
|
+$56.4M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 0.5% in tier |
| Deposits |
$69.9M
-25.6% YoY-3.8% QoQ
|
+$44.2M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 6.8% in tier |
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| ROA |
-0.1%
-96.4% YoY+55.3% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.3% in tier |
| NIM |
3.6%
+8.8% YoY+4.0% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
75.2%
+11.0% YoY+1.8% QoQ
|
-7.3% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
1.8%
+46.1% YoY+6.8% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
103.2%
+10.1% YoY-0.7% QoQ
|
+42.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 3.3% in tier |
| AMR |
$50,803
+28.2% YoY+5.5% QoQ
|
+$36K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Top 0.5% in tier |
| CD Concentration |
12.8%
+42.1% YoY+7.4% QoQ
|
-11.6% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
10
Loan-to-Member Ratio (LMR)
engagement
Value:
$25,801
Peer Median: -
#10 of 2556
Top 0.4% in <100M tier
12
Average Member Relationship (AMR)
engagement
Value:
$50,803
Peer Median: -
#12 of 2556
Top 0.4% in <100M tier
13
Total Loans
balance_sheet
Value:
$72.14M
Peer Median: -
#13 of 2556
Top 0.5% in <100M tier
37
AMR Growth Rate
growth
Value:
28.25%
Peer Median: -
#37 of 2556
Top 1.4% in <100M tier
82
Loan-to-Share Ratio
balance_sheet
Value:
103.20%
Peer Median: -
#82 of 2556
Top 3.2% in <100M tier
158
Total Assets
balance_sheet
Value:
$84.11M
Peer Median: -
#158 of 2556
Top 6.1% in <100M tier
175
Total Deposits
balance_sheet
Value:
$69.91M
Peer Median: -
#175 of 2556
Top 6.8% in <100M tier
364
Fee Income Per Member
profitability
Value:
$151.76
Peer Median: -
#364 of 2556
Top 14.2% in <100M tier
Top Weaknesses (8 metrics)
2540
Member Growth Rate
growth
Value:
-39.16%
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2531
Asset Growth Rate
growth
Value:
-22.41%
Peer Median: -
#2531 of 2556
Bottom 1.0% in <100M tier
2529
Deposit Growth Rate
growth
Value:
-25.60%
Peer Median: -
#2529 of 2556
Bottom 1.1% in <100M tier
2374
Loan Growth Rate
growth
Value:
-18.12%
Peer Median: -
#2374 of 2556
Bottom 7.2% in <100M tier
2297
Net Charge-Off Rate
risk
Value:
1.40%
Peer Median: -
#2297 of 2556
Bottom 10.2% in <100M tier
2244
Members Per Employee (MPE)
engagement
Value:
174.750
Peer Median: -
#2244 of 2556
Bottom 12.2% in <100M tier
2190
Return on Assets (ROA)
profitability
Value:
-0.08%
Peer Median: -
#2190 of 2556
Bottom 14.4% in <100M tier
1933
Total Delinquency Rate (60+ days)
risk
Value:
1.78%
Peer Median: -
#1933 of 2556
Bottom 24.4% in <100M tier