BlastPoint's Credit Union Scorecard
GULF
Charter #60205 · TX
GULF has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% 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 0.48% below tier average
- - Efficiency ratio 7.49% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,442
+1.2% YoY+0.7% QoQ
|
+9.0K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 13.7% in tier |
| Assets |
$340.4M
+8.8% YoY+3.8% QoQ
|
+$108.5M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$190.5M
+9.2% YoY+3.7% QoQ
|
+$43.2M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$306.0M
+7.9% YoY+3.5% QoQ
|
+$105.2M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.3%
-25.4% YoY+74.8% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
3.2%
+9.4% YoY-1.0% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
84.5%
+0.4% YoY-2.0% QoQ
|
+7.5% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
0.4%
-68.4% YoY+81.6% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
62.3%
+1.2% YoY+0.2% QoQ
|
-10.0% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$20,314
+7.1% YoY+2.9% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
13.6%
+30.8% YoY+5.9% QoQ
|
-10.8% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
31.2%
-1.4% YoY-2.9% QoQ
|
+17.4% | 13.8% | 7.1% | 7.8% | 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)