BlastPoint's Credit Union Scorecard
CITY
Charter #5665 · TX
2596 CUs in <100M nationally
245 in TX
CITY has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Loans: Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.3% in tier
- + Average Member Relationship (AMR): Top 0.5% in tier
- + AMR Growth Rate: Top 2.2% in tier
- + Loan-to-Share Ratio: Top 2.6% in tier
- + Total Assets: Top 4.8% in tier
- + Total Deposits: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Delinquency rate 0.16% above tier average
- - Member decline: -37.8% YoY
- - Member Growth Rate: Bottom 0.8% in tier
- - Asset Growth Rate: Bottom 0.8% in tier
- - Deposit Growth Rate: Bottom 0.9% in tier
- - Loan Growth Rate: Bottom 5.2% in tier
- - Net Charge-Off Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,077
-37.8% YoY-7.3% QoQ
|
+451 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$87.1M
-27.4% YoY-8.4% QoQ
|
+$57.2M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 4.8% in tier |
| Loans |
$75.5M
-21.5% YoY-5.7% QoQ
|
+$59.7M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 0.2% in tier |
| Deposits |
$72.7M
-28.8% YoY-9.8% QoQ
|
+$47.2M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 5.8% in tier |
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| ROA |
-0.1%
-107.8% YoY-113.9% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.8% in tier |
| NIM |
3.4%
+6.9% YoY+5.6% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
73.9%
+50.0% YoY+7.2% QoQ
|
-7.5% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
1.7%
-55.4% YoY+34.8% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
75% |
| Loan To Share |
103.9%
+10.3% YoY+4.5% QoQ
|
+42.7% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 2.8% in tier |
| AMR |
$48,157
+20.2% YoY-0.6% QoQ
|
+$34K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Top 0.5% in tier |
| CD Concentration |
11.9%
-74.0% YoY+13.6% QoQ
|
-12.5% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
4
Total Loans
balance_sheet
Value:
$75.50M
Peer Avg: -
#4 of 2596
Top 0.1% in <100M tier
10
Loan-to-Member Ratio (LMR)
engagement
Value:
$24,538
Peer Avg: -
#10 of 2596
Top 0.3% in <100M tier
13
Average Member Relationship (AMR)
engagement
Value:
$48,157
Peer Avg: -
#13 of 2596
Top 0.5% in <100M tier
59
AMR Growth Rate
growth
Value:
20.22%
Peer Avg: -
#59 of 2596
Top 2.2% in <100M tier
69
Loan-to-Share Ratio
balance_sheet
Value:
103.90%
Peer Avg: -
#69 of 2596
Top 2.6% in <100M tier
125
Total Assets
balance_sheet
Value:
$87.07M
Peer Avg: -
#125 of 2596
Top 4.8% in <100M tier
151
Total Deposits
balance_sheet
Value:
$72.67M
Peer Avg: -
#151 of 2596
Top 5.8% in <100M tier
428
Fee Income Per Member
profitability
Value:
$141.68
Peer Avg: -
#428 of 2596
Top 16.4% in <100M tier
Top Weaknesses (7 metrics)
2577
Member Growth Rate
growth
Value:
-37.84%
Peer Avg: -
#2577 of 2596
Bottom 0.8% in <100M tier
2577
Asset Growth Rate
growth
Value:
-27.42%
Peer Avg: -
#2577 of 2596
Bottom 0.8% in <100M tier
2573
Deposit Growth Rate
growth
Value:
-28.82%
Peer Avg: -
#2573 of 2596
Bottom 0.9% in <100M tier
2463
Loan Growth Rate
growth
Value:
-21.50%
Peer Avg: -
#2463 of 2596
Bottom 5.2% in <100M tier
2348
Net Charge-Off Rate
risk
Value:
1.40%
Peer Avg: -
#2348 of 2596
Bottom 9.6% in <100M tier
2223
Members Per Employee (MPE)
engagement
Value:
192.312
Peer Avg: -
#2223 of 2596
Bottom 14.4% in <100M tier
2211
Return on Assets (ROA)
profitability
Value:
-0.05%
Peer Avg: -
#2211 of 2596
Bottom 14.9% in <100M tier