BlastPoint's Credit Union Scorecard
FIRSTMARK
Charter #62509 · TX
FIRSTMARK has 4 strengths but faces 8 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
- + Wallet Share Momentum: Top 6.5% in tier
- + Net Interest Margin 0.10% above tier average
- + AMR Growth Rate: Top 6.7% in tier
- + Loan Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8.3% in tier
- - Credit Quality Pressure: Bottom 39.5% in tier
- - Indirect Auto Dependency: Bottom 53.2% in tier
- - Membership Headwinds: Bottom 90.3% in tier
- - Stagnation Risk: Bottom 90.3% in tier
- - ROA 0.12% below tier average
- - Efficiency ratio 1.74% above tier (higher cost structure)
- - Member decline: -3.0% YoY
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 +5.8% year over year ($1.16B in shares and deposits).
- Membership: 86,300 members, -3.0% vs a year ago.
- Delinquency rate 0.70%.
- Return on assets 0.70%.
- Efficiency ratio 74.76% vs a 73.02% peer average.
- Loan-to-share ratio 73.13% 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 |
86,300
-3.0% YoY-3.1% QoQ
|
-10.6K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$1.3B
+5.0% YoY+1.3% QoQ
|
$-433.8M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$848.0M
+14.9% YoY+5.9% QoQ
|
$-386.2M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
21% |
| Deposits |
$1.2B
+5.8% YoY+0.9% QoQ
|
$-303.7M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
0.7%
+597.2% YoY+2.6% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
3.5%
+10.2% YoY-0.4% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
74.8%
-12.7% YoY-0.6% QoQ
|
+1.7% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
55% |
| Delinquency Rate |
0.7%
+12.0% YoY-1.5% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
73.1%
+8.6% YoY+4.9% QoQ
|
-11.6% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
18% |
| AMR |
$23,264
+12.8% YoY+6.3% QoQ
|
$-6K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
20% |
| CD Concentration |
33.4%
+9.0% YoY+1.6% QoQ
|
+4.3% | 29.1% | 21.6% | 20.0% | 70% |
| Indirect Auto % |
26.0%
-22.6% YoY-10.3% QoQ
|
+7.9% | 18.1% | 6.9% | 7.7% | 72% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)