BlastPoint's Credit Union Scorecard
SKEL-TEX
Charter #60396 · TX
SKEL-TEX demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
544
-0.5% YoY+0.2% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 14.9% in tier |
| Assets |
$6.2M
+6.6% YoY+3.6% QoQ
|
$-23.9M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$3.0M
-4.8% YoY-4.7% QoQ
|
$-12.8M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$4.9M
+7.2% YoY+4.2% QoQ
|
$-20.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.9%
+1249.4% YoY+7.0% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
3.3%
+17.8% YoY-0.4% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
78.4%
-17.8% YoY-1.9% QoQ
|
-4.2% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.7%
-53.6% YoY-40.8% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
61.5%
-11.2% YoY-8.5% QoQ
|
+0.9% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$14,512
+2.9% YoY+0.4% QoQ
|
$-271 |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
7.5%
+2.3% YoY-1.1% QoQ
|
-16.9% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)