BlastPoint's Credit Union Scorecard
A+
Charter #6178 · TX
A+ has 4 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Net Interest Margin 0.62% above tier average
- + Total Members: Top 1.7% in tier
- + Total Loans: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 13.6% in tier
- - Indirect Auto Dependency: Bottom 71.5% in tier
- - Delinquency rate 1.22% above tier average
- - Net Charge-Off Rate: Bottom 2.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.7% in tier
- - Average Member Relationship (AMR): Bottom 9.7% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits +1.9% year over year ($2.06B in shares and deposits).
- Membership: 191,614 members, +0.9% vs a year ago.
- Delinquency rate 2.08%.
- Return on assets 0.89%.
- Efficiency ratio 65.81% vs a 73.02% peer average.
- Loan-to-share ratio 100.38% vs a 84.71% 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 |
191,614
+0.9% YoY-1.3% QoQ
|
+94.8K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 2.0% in tier |
| Assets |
$2.6B
+2.8% YoY+0.0% QoQ
|
+$853.2M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 13.0% in tier |
| Loans |
$2.1B
+0.4% YoY-0.6% QoQ
|
+$835.3M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 6.3% in tier |
| Deposits |
$2.1B
+1.9% YoY-0.7% QoQ
|
+$598.3M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
0.9%
+39.0% YoY+29.4% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
4.0%
+2.8% YoY+1.3% QoQ
|
+0.6% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 11.7% in tier |
| Efficiency Ratio |
65.8%
-0.3% YoY-4.1% QoQ
|
-7.2% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
19% |
| Delinquency Rate |
2.1%
-7.1% YoY+2.0% QoQ
|
+1.2 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.7% in tier |
| Loan To Share |
100.4%
-1.4% YoY+0.1% QoQ
|
+15.7% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 11.7% in tier |
| AMR |
$21,560
+0.3% YoY+0.7% QoQ
|
$-8K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.3% in tier |
| CD Concentration |
24.6%
+8.8% YoY+1.0% QoQ
|
-4.5% | 29.1% | 21.6% | 20.0% | 29% |
| Indirect Auto % |
19.0%
+6.2% YoY+1.8% QoQ
|
+0.9% | 18.1% | 6.9% | 7.7% | 59% |
Signature Analysis
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)