BlastPoint's Credit Union Scorecard
LIFETIME
Charter #6012 · TX
LIFETIME has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - Efficiency ratio 15.79% above tier (higher cost structure)
- - Member decline: -4.2% YoY
- - Net Interest Margin (NIM): Bottom 6.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,313
-4.2% YoY-0.8% QoQ
|
+1.7K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
81% |
| Assets |
$55.8M
+0.7% YoY-1.1% QoQ
|
+$25.9M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
81% |
| Loans |
$27.9M
-8.7% YoY-2.3% QoQ
|
+$12.2M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$45.5M
+0.7% YoY-0.5% QoQ
|
+$20.1M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
79% |
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| ROA |
-0.1%
-61.7% YoY-4.3% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.1% in tier |
| NIM |
2.4%
+1.2% YoY+67.5% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.5% in tier |
| Efficiency Ratio |
97.2%
+1.8% YoY-0.9% QoQ
|
+15.8% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 13.5% in tier |
| Delinquency Rate |
1.2%
+63.5% YoY+32.8% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
61.4%
-9.4% YoY-1.9% QoQ
|
+0.1% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
50% |
| AMR |
$17,037
+1.1% YoY-0.4% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration |
29.1%
-3.5% YoY+0.3% QoQ
|
+4.7% |
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)
Concerns (0)
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)