BlastPoint's Credit Union Scorecard

A+

Charter #6178 · TX

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 28 in TX

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A+ has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.64% above tier average
+ Total Members: Top 1.3% in tier
+ Total Loans: Top 5.2% in tier
+ Loan-to-Share Ratio: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 10.4% in tier
- Credit Quality Pressure: Bottom 33.9% in tier
- Indirect Auto Dependency: Bottom 74.5% in tier
- Shrinking Wallet Share: Bottom 83.9% in tier
- Delinquency rate 1.28% above tier average
- Total Delinquency Rate (60+ days): Bottom 2.6% in tier
- Net Charge-Off Rate: Bottom 3.6% in tier
- Average Member Relationship (AMR): Bottom 9.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	194,144 +2.7% YoY+0.4% QoQ	+98.1K	96,048 -2.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Top 1.6% in tier
Assets	$2.6B +2.5% YoY+0.5% QoQ	+$857.4M	$1.7B +0.4% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Top 12.7% in tier
Loans	$2.1B +0.3% YoY-0.0% QoQ	+$867.4M	$1.2B +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Top 5.6% in tier
Deposits	$2.1B +2.3% YoY+0.4% QoQ	+$610.8M	$1.5B +0.5% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	84%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +61.9% YoY-28.8% QoQ	+0.0%	0.7% +27.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	53%
NIM	4.0% +1.4% YoY+0.7% QoQ	+0.6%	3.4% +6.2% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Top 12.1% in tier
Efficiency Ratio	68.6% +0.4% YoY+6.5% QoQ	-6.0%	74.6% -3.0% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	26%
Delinquency Rate	2.0% +4.9% YoY-14.2% QoQ	+1.3	0.8% +6.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Bottom 2.6% in tier
Loan To Share	100.2% -2.0% YoY-0.5% QoQ	+17.1%	83.2% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Top 9.2% in tier
AMR	$21,414 -1.3% YoY-0.2% QoQ	$-8K	$29,652 +2.3% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Bottom 9.5% in tier
CD Concentration	24.4% +12.9% YoY+0.5% QoQ	-4.5%	28.8%	21.3%	19.8%	30%
Indirect Auto %	18.6% +3.7% YoY+2.5% QoQ	+0.6%	18.1%	6.9%	7.7%	58%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Liquidity Strain

risk

#78 of 148 • Bottom 10.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 100.23%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 0.31%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#129 of 225 • Bottom 33.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#62 of 82 • Bottom 83.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.32%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#186 of 198 • Bottom 74.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.48%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 18.64%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.67%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (7 metrics)

Total Members

engagement

Value: 194,144

Peer Median: 85,918

#5 of 306 Top 1.3% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.08B

Peer Median: $1.11B

#17 of 306 Top 5.2% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 100.23%

Peer Median: 85.31%

#28 of 306 Top 8.8% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.99%

Peer Median: 3.37%

#37 of 306 Top 11.8% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.58B

Peer Median: $1.51B

#39 of 306 Top 12.4% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.60%

Peer Median: 10.85%

#42 of 306 Top 13.4% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.08B

Peer Median: $1.31B

#50 of 306 Top 16.0% in 1B-3B tier

Top Weaknesses (7 metrics)

299

Total Delinquency Rate (60+ days)

risk

Value: 2.04%

Peer Median: 0.63%

#299 of 306 Bottom 2.6% in 1B-3B tier

296

Net Charge-Off Rate

risk

Value: 1.43%

Peer Median: 0.51%

#296 of 306 Bottom 3.6% in 1B-3B tier

277

Average Member Relationship (AMR)

engagement

Value: $21,414

Peer Median: $28,178

#277 of 306 Bottom 9.8% in 1B-3B tier

256

AMR Growth Rate

growth

Value: -1.32%

Peer Median: 3.15%

#256 of 306 Bottom 16.7% in 1B-3B tier

243

Loan Growth Rate

growth

Value: 0.31%

Peer Median: 5.67%

#243 of 306 Bottom 20.9% in 1B-3B tier

231

First Mortgage Concentration (%)

balance_sheet

Value: 42.59%

Peer Median: 33.05%

#231 of 306 Bottom 24.8% in 1B-3B tier

231

Loan-to-Member Ratio (LMR)

engagement

Value: $10,720

Peer Median: $12,733

#231 of 306 Bottom 24.8% in 1B-3B tier