BlastPoint's Credit Union Scorecard
P.I.E.
Charter #66582 · TX
P.I.E. demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.50% above tier average
- + Net Interest Margin 1.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,138
+2.7% YoY+1.9% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
31% |
| Assets |
$11.3M
+0.9% YoY-0.3% QoQ
|
$-18.6M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
35% |
| Loans |
$6.7M
+9.2% YoY-1.1% QoQ
|
$-9.1M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$8.4M
-2.8% YoY-1.6% QoQ
|
$-17.0M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
33% |
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| ROA |
2.2%
+37.7% YoY+4.7% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 6.4% in tier |
| NIM |
5.0%
+19.2% YoY+2.8% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 14.2% in tier |
| Efficiency Ratio |
56.8%
-9.3% YoY-2.1% QoQ
|
-24.6% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.7% in tier |
| Delinquency Rate |
0.6%
-5.9% YoY+590.7% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
79.5%
+12.3% YoY+0.5% QoQ
|
+18.2% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
77% |
| AMR |
$13,291
-0.5% YoY-3.2% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
13.5%
+24.6% YoY+1.5% QoQ
|
-10.9% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)