BlastPoint's Credit Union Scorecard
GULF
Charter #60205 · TX
GULF has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Loan Growth Rate: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 4.76% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,643
+1.1% YoY+0.8% QoQ
|
+9.5K |
15,145
-2.5% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 12.6% in tier |
| Assets |
$348.5M
+7.1% YoY+2.4% QoQ
|
+$116.8M |
$231.7M
+0.8% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
81% |
| Loans |
$199.4M
+12.7% YoY+4.7% QoQ
|
+$55.2M |
$144.1M
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
76% |
| Deposits |
$313.3M
+6.3% YoY+2.4% QoQ
|
+$112.2M |
$201.1M
+0.4% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
84% |
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| ROA |
0.3%
+148.0% YoY+22.7% QoQ
|
-0.4% |
0.7%
+5.1% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
3.4%
+10.1% YoY+4.9% QoQ
|
-0.2% |
3.6%
+4.6% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
36% |
| Efficiency Ratio |
82.8%
-11.9% YoY-2.0% QoQ
|
+4.8% |
78.0%
-1.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
64% |
| Delinquency Rate |
0.4%
-72.4% YoY-15.4% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
28% |
| Loan To Share |
63.6%
+6.1% YoY+2.2% QoQ
|
-6.8% |
70.4%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$20,805
+7.5% YoY+2.4% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration |
14.1%
+33.9% YoY+3.7% QoQ
|
-10.1% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
29.0%
-9.8% YoY-6.9% QoQ
|
+15.2% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)