BlastPoint's Credit Union Scorecard
OLD OCEAN
Charter #6175 · TX
OLD OCEAN has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.56% above tier average
- + Net Interest Margin 0.71% above tier average
- + Strong member growth: 132.5% YoY
- + Member Growth Rate: Top 0.2% in tier
- + Members Per Employee (MPE): Top 4.7% in tier
- + Total Members: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 0.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -0.3% year over year ($32.5M in shares and deposits).
- Membership: 6,969 members, +132.5% vs a year ago.
- Delinquency rate 0.24%.
- Return on assets 2.05%.
- Efficiency ratio 67.70% vs a 88.77% peer average.
- Loan-to-share ratio 46.74% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,969
+132.5% YoY+131.0% QoQ
|
+4.4K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 5.2% in tier |
| Assets |
$41.6M
+1.1% YoY-1.0% QoQ
|
+$11.3M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
70% |
| Loans |
$15.2M
-4.0% YoY+0.5% QoQ
|
$-279K |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
62% |
| Deposits |
$32.5M
-0.3% YoY-2.8% QoQ
|
+$6.7M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
67% |
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| ROA |
2.1%
+12.1% YoY+9.2% QoQ
|
+0.6% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 8.9% in tier |
| NIM |
4.6%
-3.8% YoY+3.0% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
67.7%
-2.3% YoY-2.2% QoQ
|
-21.1% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
22% |
| Delinquency Rate |
0.2%
-38.8% YoY+36.6% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
28% |
| Loan To Share |
46.7%
-3.7% YoY+3.4% QoQ
|
-12.1% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$6,838
-57.7% YoY-57.5% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.2% in tier |
| CD Concentration |
1.7%
-6.6% YoY+3.0% QoQ
|
-22.8% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 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)