BlastPoint's Credit Union Scorecard

ACCESS COMMUNITY

Charter #67178 · TX

100M-500M

1024 CUs in 100M-500M nationally 74 in TX

ACCESS COMMUNITY has 7 strengths but faces 5 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 0.18% above tier average
+ Loan-to-Share Ratio: Top 0.2% in tier
+ Loan Growth Rate: Top 6.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.18% below tier average
- Efficiency ratio 5.57% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 6.7% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
Shares and deposits -0.1% year over year ($161M in shares and deposits).
Membership: 13,230 members, +1.6% vs a year ago.
Delinquency rate 0.27%.
Return on assets 0.69%.
Efficiency ratio 82.31% vs a 76.73% peer average.
Loan-to-share ratio 116.70% vs a 71.54% 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	13,230 +1.6% YoY-1.5% QoQ	-1.9K	15,168 -2.6% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	50%
Assets	$210.9M +8.0% YoY+2.1% QoQ	$-21.1M	$232.0M +0.7% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	54%
Loans	$187.6M +16.3% YoY+5.1% QoQ	+$41.3M	$146.3M +0.2% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	72%
Deposits	$160.7M -0.1% YoY-1.1% QoQ	$-40.0M	$200.7M +0.2% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	45%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -387.4% YoY+48.2% QoQ	-0.2%	0.9% +12.5% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	44%
NIM	3.9% +16.8% YoY+1.8% QoQ	+0.2%	3.7% +4.5% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	62%
Efficiency Ratio	82.3% -19.2% YoY-3.9% QoQ	+5.6%	76.7% -0.8% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	66%
Delinquency Rate	0.3% -19.4% YoY-17.1% QoQ	-0.6	0.9% +6.6% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	16%
Loan To Share	116.7% +16.4% YoY+6.3% QoQ	+45.2%	71.5% -0.3% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	Top 0.3% in tier
AMR	$26,328 +6.5% YoY+3.7% QoQ	+$1K	$25,107 +3.2% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	68%
CD Concentration	41.5% +4.3% YoY+0.3% QoQ	+16.9%	24.6%	21.6%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	6.9%	7.7%	50%

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth

#340 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.46%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Organic Growth Leader

growth

#248 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.58%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank worsening

Organic Growth Engine

growth

#265 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.58%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.69%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Emerging Performer

growth

#165 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.69%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 1.58%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk

#2 of 224 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 116.70%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 16.31%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Efficiency Drag

risk

#472 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 82.31%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.92% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 1.58%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 116.70%

Peer Median: 73.07%

#3 of 1024 Top 0.2% in 100M-500M tier

Loan Growth Rate

growth

Value: 16.31%

Peer Median: 3.02%

#62 of 1024 Top 6.0% in 100M-500M tier

151

Loan-to-Member Ratio (LMR)

engagement

Value: $14,179

Peer Median: $9,434

#151 of 1024 Top 14.6% in 100M-500M tier

168

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Median: 0.71%

#168 of 1024 Top 16.3% in 100M-500M tier

184

Asset Growth Rate

growth

Value: 7.98%

Peer Median: 4.12%

#184 of 1024 Top 17.9% in 100M-500M tier

204

Net Charge-Off Rate

risk

Value: 0.12%

Peer Median: 0.34%

#204 of 1024 Top 19.8% in 100M-500M tier

225

Fee Income Per Member

profitability

Value: $216.43

Peer Median: $159.88

#225 of 1024 Top 21.9% in 100M-500M tier

Top Weaknesses (4 metrics)

956

Share Certificate Concentration (%)

balance_sheet

Value: 41.48%

Peer Median: 23.39%

#956 of 1024 Bottom 6.7% in 100M-500M tier

922

Members Per Employee (MPE)

engagement

Value: 220.500

Peer Median: 310.924

#922 of 1024 Bottom 10.1% in 100M-500M tier

880

First Mortgage Concentration (%)

balance_sheet

Value: 50.25%

Peer Median: 29.92%

#880 of 1024 Bottom 14.2% in 100M-500M tier

820

Deposit Growth Rate

growth

Value: -0.05%

Peer Median: 3.58%

#820 of 1024 Bottom 20.0% in 100M-500M tier