BlastPoint's Credit Union Scorecard

ENERGY CAPITAL

Charter #61936 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

ENERGY CAPITAL faces 5 concerns requiring attention

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 2.90% below tier average
- Efficiency ratio 18.91% above tier (higher cost structure)
- Net Charge-Off Rate: Bottom 0.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	19,696 +4.2% YoY+1.5% QoQ	+4.6K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	76%
Assets	$261.2M +3.2% YoY-0.1% QoQ	+$29.5M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	66%
Loans	$208.3M +4.2% YoY+3.0% QoQ	+$64.1M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	78%
Deposits	$233.0M +4.9% YoY+0.5% QoQ	+$31.9M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	67%

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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	-2.2% -804.6% YoY-1356.3% QoQ	-2.9%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 0.5% in tier
NIM	3.4% -1.3% YoY-1.4% QoQ	-0.2%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	35%
Efficiency Ratio	96.9% +16.2% YoY+15.1% QoQ	+18.9%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 4.4% in tier
Delinquency Rate	0.7% -27.6% YoY-38.3% QoQ	-0.1	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	54%
Loan To Share	89.4% -0.7% YoY+2.4% QoQ	+19.0%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Top 12.1% in tier
AMR	$22,406 +0.4% YoY+0.2% QoQ	$-3K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	46%
CD Concentration	26.3% +1.3% YoY-4.9% QoQ	+2.0%	24.3%	21.3%	19.8%	50%
Indirect Auto %	32.6% -10.8% YoY+0.4% QoQ	+18.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Efficiency Drag

risk

#361 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 96.93%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -2.48% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 4.15%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#325 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 3.20%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 32.58%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.15%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (6 metrics)

130

Loan-to-Share Ratio

balance_sheet

Value: 89.38%

Peer Median: 71.88%

#130 of 1070 Top 12.1% in 100M-500M tier

152

Member Growth Rate

growth

Value: 4.15%

Peer Median: -0.06%

#152 of 1070 Top 14.1% in 100M-500M tier

231

Total Loans

balance_sheet

Value: $208.28M

Peer Median: $121.41M

#231 of 1070 Top 21.5% in 100M-500M tier

247

First Mortgage Concentration (%)

balance_sheet

Value: 16.21%

Peer Median: 29.47%

#247 of 1070 Top 23.0% in 100M-500M tier

248

Members Per Employee (MPE)

engagement

Value: 386.196

Peer Median: 309.176

#248 of 1070 Top 23.1% in 100M-500M tier

256

Total Members

engagement

Value: 19,696

Peer Median: 13,200

#256 of 1070 Top 23.8% in 100M-500M tier

Top Weaknesses (7 metrics)

1065

Return on Assets (ROA)

profitability

Value: -2.17%

Peer Median: 0.69%

#1065 of 1070 Bottom 0.6% in 100M-500M tier

1065

Net Charge-Off Rate

risk

Value: 3.06%

Peer Median: 0.35%

#1065 of 1070 Bottom 0.6% in 100M-500M tier

1024

Efficiency Ratio

profitability

Value: 96.93%

Peer Median: 78.68%

#1024 of 1070 Bottom 4.4% in 100M-500M tier

928

Indirect Auto Concentration (%)

balance_sheet

Value: 32.58%

Peer Median: 6.61%

#928 of 1070 Bottom 13.4% in 100M-500M tier

869

Fee Income Per Member

profitability

Value: $100.31

Peer Median: $154.95

#869 of 1070 Bottom 18.9% in 100M-500M tier

816

AMR Growth Rate

growth

Value: 0.42%

Peer Median: 3.46%

#816 of 1070 Bottom 23.8% in 100M-500M tier

812

Net Worth Ratio

risk

Value: 9.70%

Peer Median: 11.45%

#812 of 1070 Bottom 24.2% in 100M-500M tier