BlastPoint's Credit Union Scorecard
WACO
Charter #6368 · TX
WACO demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Net Interest Margin 0.56% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,944
-0.8% YoY-0.1% QoQ
|
-681 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$19.6M
+5.5% YoY+1.4% QoQ
|
$-10.2M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
48% |
| Loans |
$8.7M
+11.5% YoY+6.9% QoQ
|
$-7.1M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
47% |
| Deposits |
$17.5M
+4.2% YoY+1.0% QoQ
|
$-8.0M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
1.1%
+39.9% YoY-13.7% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
4.5%
+10.6% YoY+1.0% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
73% |
| Efficiency Ratio |
78.7%
-3.7% YoY+3.7% QoQ
|
-2.7% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.8%
+37.3% YoY-26.9% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
55% |
| Loan To Share |
49.6%
+7.0% YoY+5.8% QoQ
|
-11.6% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
32% |
| AMR |
$13,466
+7.4% YoY+3.0% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
8.0%
+0.3% YoY-0.8% QoQ
|
-16.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)