BlastPoint's Credit Union Scorecard
A+
Charter #6178 · TX
A+ has 6 strengths but faces 6 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 43.5% in tier
- + Organic Growth Leader: Top 56.0% in tier
- + ROA 0.28% above tier average
- + Net Interest Margin 0.69% above tier average
- + Total Members: Top 2.0% in tier
- + Total Loans: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 53.3% in tier
- - Shrinking Wallet Share: Bottom 82.0% in tier
- - Indirect Auto Dependency: Bottom 95.4% in tier
- - Delinquency rate 1.48% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.0% in tier
- - Net Charge-Off Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
193,317
+2.9% YoY+0.7% QoQ
|
+95.9K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 2.3% in tier |
| Assets |
$2.6B
+3.2% YoY+1.1% QoQ
|
+$840.1M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 12.9% in tier |
| Loans |
$2.1B
-0.4% YoY+1.4% QoQ
|
+$847.5M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 6.3% in tier |
| Deposits |
$2.1B
+4.0% YoY+1.6% QoQ
|
+$607.9M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
1.0%
+10.9% YoY-6.3% QoQ
|
+0.3% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
4.0%
-0.5% YoY-0.2% QoQ
|
+0.7% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 11.6% in tier |
| Efficiency Ratio |
64.4%
+0.8% YoY+1.3% QoQ
|
-9.6% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.9% in tier |
| Delinquency Rate |
2.4%
-1.7% YoY+0.6% QoQ
|
+1.5 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 3.0% in tier |
| Loan To Share |
100.7%
-4.2% YoY-0.2% QoQ
|
+15.9% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 11.6% in tier |
| AMR |
$21,463
-1.1% YoY+0.8% QoQ
|
$-8K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.3% in tier |
| CD Concentration |
24.2%
+13.4% YoY+1.5% QoQ
|
-4.8% | 29.0% | 21.2% | 19.8% | 29% |
| Indirect Auto % |
18.2%
+1.3% YoY+2.3% QoQ
|
-0.1% | 18.3% | 7.1% | 7.8% | 54% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)