BlastPoint's Credit Union Scorecard
P.I.E.
Charter #66582 · TX
P.I.E. has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.48% above tier average
- + Net Interest Margin 1.07% above tier average
- + Net Charge-Off Rate: Top 6.9% in tier
- + Efficiency Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,138
+1.2% YoY0% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$10.9M
-5.2% YoY-3.2% QoQ
|
$-19.3M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$6.5M
-2.3% YoY-3.6% QoQ
|
$-9.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$8.1M
-9.1% YoY-3.8% QoQ
|
$-17.6M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
2.1%
+28.1% YoY-3.9% QoQ
|
+1.5% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 5.8% in tier |
| NIM |
5.0%
+17.1% YoY+0.6% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 13.9% in tier |
| Efficiency Ratio |
58.6%
-6.4% YoY+3.3% QoQ
|
-23.9% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 9.9% in tier |
| Delinquency Rate |
0.7%
+588.0% YoY+9.9% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
79.6%
+7.5% YoY+0.2% QoQ
|
+19.0% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$12,801
-7.3% YoY-3.7% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
12.4%
-5.2% YoY-8.6% QoQ
|
-12.1% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)