BlastPoint's Credit Union Scorecard
CITY
Charter #5665 · TX
<100M
2508 CUs in <100M nationally
237 in TX
CITY has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 0.3% in tier
- + Total Loans: Top 0.4% in tier
- + Average Member Relationship (AMR): Top 0.4% in tier
- + AMR Growth Rate: Top 3.5% in tier
- + Loan-to-Share Ratio: Top 4.6% in tier
- + Total Assets: Top 5.7% in tier
- + Total Deposits: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
- - Member decline: -32.1% YoY
- - Member Growth Rate: Bottom 0.8% in tier
- - Asset Growth Rate: Bottom 1.4% in tier
- - Deposit Growth Rate: Bottom 1.4% in tier
- - Loan Growth Rate: Bottom 6.8% in tier
- - Net Charge-Off Rate: Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,722
-32.1% YoY-2.6% QoQ
|
+45 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
64% |
| Assets |
$84.8M
-17.9% YoY+0.8% QoQ
|
+$54.6M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Top 5.7% in tier |
| Loans |
$67.2M
-19.4% YoY-6.9% QoQ
|
+$51.9M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Top 0.4% in tier |
| Deposits |
$70.4M
-20.6% YoY+0.7% QoQ
|
+$44.6M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Top 6.5% in tier |
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| ROA |
-0.6%
-821.3% YoY+635.4% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.1% in tier |
| NIM |
2.8%
-1.2% YoY-22.2% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 13.3% in tier |
| Efficiency Ratio |
87.9%
+16.7% YoY+16.8% QoQ
|
-2.8% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
65% |
| Delinquency Rate |
1.1%
-4.7% YoY-37.4% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
95.5%
+1.6% YoY-7.5% QoQ
|
+36.9% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 4.7% in tier |
| AMR |
$50,549
+17.7% YoY-0.5% QoQ
|
+$36K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 0.4% in tier |
| CD Concentration |
14.3%
+54.2% YoY+11.8% QoQ
|
-10.0% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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: 0.00%
#1 of 2508
Top 0.1% in <100M tier
8
Loan-to-Member Ratio (LMR)
engagement
Value:
$24,687
Peer Median: $4,923
#8 of 2508
Top 0.3% in <100M tier
11
Total Loans
balance_sheet
Value:
$67.20M
Peer Median: $9.48M
#11 of 2508
Top 0.4% in <100M tier
11
Average Member Relationship (AMR)
engagement
Value:
$50,549
Peer Median: $13,926
#11 of 2508
Top 0.4% in <100M tier
90
AMR Growth Rate
growth
Value:
17.67%
Peer Median: 1.27%
#90 of 2508
Top 3.5% in <100M tier
117
Loan-to-Share Ratio
balance_sheet
Value:
95.45%
Peer Median: 58.72%
#117 of 2508
Top 4.6% in <100M tier
143
Total Assets
balance_sheet
Value:
$84.76M
Peer Median: $21.86M
#143 of 2508
Top 5.7% in <100M tier
162
Total Deposits
balance_sheet
Value:
$70.40M
Peer Median: $18.77M
#162 of 2508
Top 6.4% in <100M tier
313
Fee Income Per Member
profitability
Value:
$146.43
Peer Median: $60.42
#313 of 2508
Top 12.4% in <100M tier
Top Weaknesses (8 metrics)
2489
Member Growth Rate
growth
Value:
-32.05%
Peer Median: -1.37%
#2489 of 2508
Bottom 0.8% in <100M tier
2474
Asset Growth Rate
growth
Value:
-17.89%
Peer Median: 1.30%
#2474 of 2508
Bottom 1.4% in <100M tier
2473
Deposit Growth Rate
growth
Value:
-20.64%
Peer Median: 0.66%
#2473 of 2508
Bottom 1.4% in <100M tier
2338
Loan Growth Rate
growth
Value:
-19.41%
Peer Median: -2.36%
#2338 of 2508
Bottom 6.8% in <100M tier
2266
Net Charge-Off Rate
risk
Value:
1.41%
Peer Median: 0.07%
#2266 of 2508
Bottom 9.7% in <100M tier
2204
Return on Assets (ROA)
profitability
Value:
-0.61%
Peer Median: 0.61%
#2204 of 2508
Bottom 12.2% in <100M tier
2186
Members Per Employee (MPE)
engagement
Value:
181.467
Peer Median: 333.750
#2186 of 2508
Bottom 12.9% in <100M tier
2175
Net Interest Margin (NIM)
profitability
Value:
2.79%
Peer Median: 3.83%
#2175 of 2508
Bottom 13.3% in <100M tier