BlastPoint's Credit Union Scorecard
BRAZOS VALLEY SCHOOLS
Charter #66353 · TX
BRAZOS VALLEY SCHOOLS has 3 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 65.3% in tier
- + Organic Growth Leader: Top 65.3% in tier
- + ROA 0.28% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11.8% in tier
- - Margin Compression: Bottom 24.0% in tier
- - Total Loans: Bottom 1.3% in tier
- - Loan-to-Share Ratio: Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.0% in tier
- - Total Assets: Bottom 3.9% in tier
- - Net Charge-Off Rate: Bottom 4.9% in tier
- - Average Member Relationship (AMR): Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
65,058
+0.9% YoY+0.5% QoQ
|
-31.0K |
96,048
-2.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$1.0B
+4.2% YoY+1.9% QoQ
|
$-681.6M |
$1.7B
+0.4% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.6% in tier |
| Loans |
$427.6M
-1.3% YoY-1.8% QoQ
|
$-786.1M |
$1.2B
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.0% in tier |
| Deposits |
$924.4M
+3.6% YoY+2.4% QoQ
|
$-541.1M |
$1.5B
+0.5% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.5% in tier |
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| ROA |
1.0%
-31.1% YoY-9.3% QoQ
|
+0.3% |
0.7%
+27.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
3.2%
+8.5% YoY+1.0% QoQ
|
-0.1% |
3.4%
+6.2% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
39% |
| Efficiency Ratio |
65.2%
+0.3% YoY-1.2% QoQ
|
-9.5% |
74.6%
-3.0% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Top 13.7% in tier |
| Delinquency Rate |
0.8%
+62.8% YoY-30.6% QoQ
|
+0.0 |
0.8%
+6.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
64% |
| Loan To Share |
46.3%
-4.7% YoY-4.1% QoQ
|
-36.9% |
83.2%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.0% in tier |
| AMR |
$20,782
+1.1% YoY+0.5% QoQ
|
$-9K |
$29,652
+2.3% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.2% in tier |
| CD Concentration |
27.1%
+1.3% YoY-1.1% QoQ
|
-1.7% | 28.8% | 21.3% | 19.8% | 44% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 6.9% | 7.7% | Top 0.1% 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 (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)