BlastPoint's Credit Union Scorecard
A+
Charter #6178 · TX
A+ has 7 strengths but faces 7 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
- + Organic Growth Engine: Top 20.0% in tier
- + Organic Growth Leader: Top 28.3% in tier
- + Profitability Leader: Top 90.4% in tier
- + ROA 0.33% above tier average
- + Net Interest Margin 0.71% above tier average
- + Total Members: Top 2.3% in tier
- + Total Loans: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.6% in tier
- - Liquidity Strain: Bottom 20.8% in tier
- - Shrinking Wallet Share: Bottom 21.5% in tier
- - Indirect Auto Dependency: Bottom 29.9% in tier
- - Delinquency rate 1.53% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.3% in tier
- - Net Charge-Off Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
191,924
+1.6% YoY+1.0% QoQ
|
+93.2K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 2.6% in tier |
| Assets |
$2.5B
+2.1% YoY+1.1% QoQ
|
+$815.1M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 14.1% in tier |
| Loans |
$2.1B
-3.1% YoY-0.4% QoQ
|
+$820.0M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 7.6% in tier |
| Deposits |
$2.0B
+3.0% YoY+0.5% QoQ
|
+$579.4M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
83% |
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| ROA |
1.0%
+3.5% YoY+61.0% QoQ
|
+0.3% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
4.0%
+1.0% YoY+1.0% QoQ
|
+0.7% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 12.2% in tier |
| Efficiency Ratio |
63.6%
-1.1% YoY-3.7% QoQ
|
-10.4% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.1% in tier |
| Delinquency Rate |
2.4%
+15.3% YoY+5.5% QoQ
|
+1.5 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.3% in tier |
| Loan To Share |
101.0%
-6.0% YoY-0.8% QoQ
|
+15.8% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 14.1% in tier |
| AMR |
$21,293
-1.7% YoY-0.9% QoQ
|
$-8K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.9% in tier |
| CD Concentration |
23.9%
+17.2% YoY+5.6% QoQ
|
-5.1% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
27% |
| Indirect Auto % |
17.8%
-6.4% YoY-0.5% QoQ
|
-1.0% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
53% |
Signature Analysis
Strengths (3)
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.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)