BlastPoint's Credit Union Scorecard
YOAKUM COUNTY
Charter #6472 · TX
YOAKUM COUNTY has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.45% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -2.1% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
942
-2.1% YoY0% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$8.1M
-5.5% YoY-4.7% QoQ
|
$-22.1M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$4.3M
+3.5% YoY-1.3% QoQ
|
$-10.9M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
31% |
| Deposits |
$6.1M
-7.0% YoY-5.7% QoQ
|
$-19.7M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
0.6%
-170.9% YoY-293.9% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
50% |
| NIM |
3.6%
+68.9% YoY+45.2% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
41% |
| Efficiency Ratio |
83.8%
-38.1% YoY-26.7% QoQ
|
-6.8% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
55% |
| Delinquency Rate |
0.8%
+140.8% YoY+482.8% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
71.2%
+11.4% YoY+4.7% QoQ
|
+12.7% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
69% |
| AMR |
$11,052
-0.9% YoY-3.9% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
33% |
| CD Concentration |
32.3%
-12.1% YoY-9.6% QoQ
|
+8.0% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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)