BlastPoint's Credit Union Scorecard

ACCESS COMMUNITY

Charter #67178 · TX

1069 CUs in 100M-500M nationally 79 in TX

ACCESS COMMUNITY has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 67.5% in tier
+ Organic Growth Engine: Top 89.2% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 0.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.3% in tier
- Liquidity Strain: Bottom 3.5% in tier
- Deposit Outflow: Bottom 61.8% in tier
- ROA 0.67% below tier average
- Efficiency ratio 16.96% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 7.8% in tier
- Deposit Growth Rate: Bottom 9.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	13,343 +1.7% YoY+1.3% QoQ	-2.1K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	49%
Assets	$200.7M +2.2% YoY+2.0% QoQ	$-31.1M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	51%
Loans	$174.3M +9.4% YoY+1.4% QoQ	+$26.9M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	69%
Deposits	$157.4M -1.7% YoY+0.2% QoQ	$-43.4M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	44%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% +52.4% YoY-185.7% QoQ	-0.7%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	Bottom 8.6% in tier
NIM	3.5% +9.7% YoY+2.7% QoQ	-0.1%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	47%
Efficiency Ratio	94.0% -2.8% YoY-4.5% QoQ	+17.0%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	Top 4.7% in tier
Delinquency Rate	0.4% -32.6% YoY+10.7% QoQ	-0.5	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	26%
Loan To Share	110.7% +11.2% YoY+1.2% QoQ	+38.5%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	Top 0.7% in tier
AMR	$24,859 +2.1% YoY-0.5% QoQ	+$183	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	62%
CD Concentration	40.2% +0.7% YoY-1.8% QoQ	+15.8%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#288 of 426 • Top 67.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.71%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#531 of 595 • Top 89.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.71%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.09%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Efficiency Drag

risk

#8 of 538 • Bottom 1.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 93.98%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.03% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 1.71%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Liquidity Strain

risk

#9 of 228 • Bottom 3.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 110.72%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 9.36%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Deposit Outflow

decline

#43 of 69 • Bottom 61.8% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.69%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 1.71%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 110.72%

Peer Median: -

#8 of 1069 Top 0.7% in 100M-500M tier

193

Loan-to-Member Ratio (LMR)

engagement

Value: $13,062

Peer Median: -

#193 of 1069 Top 18.0% in 100M-500M tier

199

Loan Growth Rate

growth

Value: 9.36%

Peer Median: -

#199 of 1069 Top 18.5% in 100M-500M tier

263

Net Charge-Off Rate

risk

Value: 0.17%

Peer Median: -

#263 of 1069 Top 24.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1020

Efficiency Ratio

profitability

Value: 93.98%

Peer Median: -

#1020 of 1069 Bottom 4.7% in 100M-500M tier

987

Share Certificate Concentration (%)

balance_sheet

Value: 40.18%

Peer Median: -

#987 of 1069 Bottom 7.8% in 100M-500M tier

977

Return on Assets (ROA)

profitability

Value: 0.09%

Peer Median: -

#977 of 1069 Bottom 8.7% in 100M-500M tier

965

Deposit Growth Rate

growth

Value: -1.69%

Peer Median: -

#965 of 1069 Bottom 9.8% in 100M-500M tier

946

Members Per Employee (MPE)

engagement

Value: 230.052

Peer Median: -

#946 of 1069 Bottom 11.6% in 100M-500M tier

867

First Mortgage Concentration (%)

balance_sheet

Value: 46.12%

Peer Median: -

#867 of 1069 Bottom 19.0% in 100M-500M tier