BlastPoint's Credit Union Scorecard
BRAZOS VALLEY SCHOOLS
Charter #66353 · TX
BRAZOS VALLEY SCHOOLS has 6 strengths but faces 5 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 16.5% in tier
- + Organic Growth Leader: Top 26.2% in tier
- + ROA 0.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 0.9% in tier
- + Total Deposits: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.6% in tier
- - Delinquency rate 0.26% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
- - Loan-to-Share Ratio: Bottom 6.2% in tier
- - Total Loans: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,383
+1.2% YoY+0.5% QoQ
|
+12.3K |
52,114
-2.1% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$994.1M
+3.7% YoY+0.4% QoQ
|
+$135.1M |
$859.0M
+0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 1.8% in tier |
| Loans |
$439.2M
-0.2% YoY+0.5% QoQ
|
$-164.2M |
$603.4M
+1.0% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.0% in tier |
| Deposits |
$883.6M
+2.9% YoY+0.1% QoQ
|
+$149.5M |
$734.2M
+0.9% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 2.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
+660.7% YoY-5.3% QoQ
|
+0.4% |
0.7%
+27.6% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
3.2%
+15.6% YoY+2.5% QoQ
|
-0.2% |
3.4%
+9.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
65.8%
-16.5% YoY-3.1% QoQ
|
-8.7% |
74.5%
-3.2% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
1.1%
+38.1% YoY+14.5% QoQ
|
+0.3 |
0.8%
+5.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
49.7%
-3.0% YoY+0.4% QoQ
|
-33.0% |
82.7%
+0.1% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.4% in tier |
| AMR |
$20,546
+0.7% YoY-0.3% QoQ
|
$-8K |
$28,651
+2.5% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
27.1%
+3.5% YoY+5.6% QoQ
|
+2.7% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
61% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)