BlastPoint's Credit Union Scorecard
BRAZOS VALLEY SCHOOLS
Charter #66353 · TX
BRAZOS VALLEY SCHOOLS has 4 strengths but faces 9 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 36.2% in tier
- + Organic Growth Leader: Top 93.6% in tier
- + ROA 0.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 41.4% in tier
- - Delinquency rate 0.21% above tier average
- - Total Assets: Bottom 1.0% in tier
- - Total Loans: Bottom 1.3% in tier
- - Loan-to-Share Ratio: Bottom 1.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.0% in tier
- - Total Deposits: Bottom 6.6% in tier
- - Average Member Relationship (AMR): Bottom 8.9% in tier
- - Net Charge-Off Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,713
+0.9% YoY+0.5% QoQ
|
-32.7K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$1.0B
+4.5% YoY+2.5% QoQ
|
$-704.4M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.7% in tier |
| Loans |
$435.5M
-1.0% YoY-0.8% QoQ
|
$-798.9M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.0% in tier |
| Deposits |
$903.1M
+3.7% YoY+2.2% QoQ
|
$-556.2M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.3% in tier |
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| ROA |
1.1%
+305.6% YoY-1.2% QoQ
|
+0.4% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
85% |
| NIM |
3.2%
+15.4% YoY+1.3% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
65.9%
-13.9% YoY+0.2% QoQ
|
-8.1% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
1.1%
+17.3% YoY+2.1% QoQ
|
+0.2 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
48.2%
-4.5% YoY-3.0% QoQ
|
-36.6% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.3% in tier |
| AMR |
$20,686
+1.2% YoY+0.7% QoQ
|
$-9K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.6% in tier |
| CD Concentration |
27.4%
+3.6% YoY+1.3% QoQ
|
-1.6% | 29.0% | 21.2% | 19.8% | 43% |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 7.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
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.
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)