BlastPoint's Credit Union Scorecard
BRAZOS VALLEY SCHOOLS
Charter #66353 · TX
BRAZOS VALLEY SCHOOLS has 3 strengths but faces 7 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 67.5% in tier
- + Organic Growth Leader: Top 67.5% in tier
- + ROA 0.29% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.2% in tier
- - Delinquency rate 0.46% above tier average
- - Total Loans: Bottom 1.3% in tier
- - Loan-to-Share Ratio: Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.7% in tier
- - Total Assets: Bottom 6.7% in tier
- - Average Member Relationship (AMR): Bottom 9.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits +5.2% year over year ($929M in shares and deposits).
- Membership: 64,531 members, +0.8% vs a year ago.
- Delinquency rate 1.32%.
- Return on assets 1.10%.
- Efficiency ratio 66.66% vs a 73.02% peer average.
- Loan-to-share ratio 46.60% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,531
+0.8% YoY-0.8% QoQ
|
-32.3K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$1.0B
+5.7% YoY+0.9% QoQ
|
$-676.9M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.3% in tier |
| Loans |
$432.9M
-0.9% YoY+1.2% QoQ
|
$-801.4M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.0% in tier |
| Deposits |
$928.9M
+5.2% YoY+0.5% QoQ
|
$-534.4M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.7% in tier |
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| ROA |
1.1%
-6.0% YoY+10.7% QoQ
|
+0.3% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
76% |
| NIM |
3.3%
+7.8% YoY+2.9% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
66.7%
-1.8% YoY+2.3% QoQ
|
-6.4% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
23% |
| Delinquency Rate |
1.3%
+40.2% YoY+72.8% QoQ
|
+0.5 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
46.6%
-5.8% YoY+0.7% QoQ
|
-38.1% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.0% in tier |
| AMR |
$21,103
+2.4% YoY+1.5% QoQ
|
$-8K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.7% in tier |
| CD Concentration |
27.4%
+6.7% YoY+0.9% QoQ
|
-1.7% | 29.1% | 21.6% | 20.0% | 43% |
| 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 (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)