BlastPoint's Credit Union Scorecard
GERMANIA
Charter #66857 · TX
GERMANIA has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Members Per Employee (MPE): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,535
-2.4% YoY+0.0% QoQ
|
-141 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
61% |
| Assets |
$19.4M
+1.0% YoY+2.1% QoQ
|
$-10.8M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
47% |
| Loans |
$10.2M
-9.7% YoY-0.8% QoQ
|
$-5.1M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$16.8M
-0.3% YoY+2.0% QoQ
|
$-9.0M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
48% |
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| ROA |
0.4%
+24.0% YoY-34.1% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
40% |
| NIM |
3.2%
-5.0% YoY-9.8% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
23% |
| Efficiency Ratio |
86.2%
-5.3% YoY+2.8% QoQ
|
-4.4% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
61% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
60.7%
-9.5% YoY-2.8% QoQ
|
+2.2% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$10,638
-1.7% YoY+0.9% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
31.3%
+1.4% YoY+7.6% QoQ
|
+7.0% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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)