BlastPoint's Credit Union Scorecard
SABINE
Charter #5866 · TX
SABINE faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.5% in tier
- - Institutional Decline: Bottom 21.3% in tier
- - Indirect Auto Dependency: Bottom 22.2% in tier
- - Membership Headwinds: Bottom 24.0% in tier
- - Stagnation Risk: Bottom 28.6% in tier
- - ROA 0.61% below tier average
- - Efficiency ratio 15.79% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,120
-1.5% YoY-1.0% QoQ
|
-2.5K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
48% |
| Assets |
$233.7M
+2.4% YoY-0.7% QoQ
|
+$2.4M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
60% |
| Loans |
$145.5M
-4.7% YoY-1.8% QoQ
|
$-2.3M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$202.3M
+2.3% YoY-1.3% QoQ
|
+$2.0M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
0.2%
-2.3% YoY+30.3% QoQ
|
-0.6% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.7% in tier |
| NIM |
3.3%
+6.1% YoY+1.0% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
93.1%
+1.3% YoY-0.7% QoQ
|
+15.8% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 6.3% in tier |
| Delinquency Rate |
0.6%
-12.9% YoY-23.1% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
43% |
| Loan To Share |
71.9%
-6.9% YoY-0.5% QoQ
|
-0.8% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$26,507
+0.7% YoY-0.5% QoQ
|
+$2K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration |
18.4%
+11.6% YoY+2.7% QoQ
|
-6.0% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
22.9%
-4.9% YoY-0.8% QoQ
|
+8.9% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)