BlastPoint's Credit Union Scorecard
ACCESS COMMUNITY
Charter #67178 · TX
ACCESS COMMUNITY has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.16% above tier average
- + Loan-to-Share Ratio: Top 0.7% in tier
- + Loan Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 7.60% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 6.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,435
+1.8% YoY+0.7% QoQ
|
-1.7K |
15,145
-2.5% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
51% |
| Assets |
$206.5M
+4.7% YoY+2.9% QoQ
|
$-25.2M |
$231.7M
+0.8% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
53% |
| Loans |
$178.5M
+13.0% YoY+2.4% QoQ
|
+$34.3M |
$144.1M
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
71% |
| Deposits |
$162.5M
+1.1% YoY+3.2% QoQ
|
$-38.6M |
$201.1M
+0.4% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
47% |
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| ROA |
0.5%
-208.4% YoY+398.4% QoQ
|
-0.3% |
0.7%
+5.1% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
3.8%
+21.4% YoY+6.9% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
62% |
| Efficiency Ratio |
85.6%
-19.5% YoY-8.9% QoQ
|
+7.6% |
78.0%
-1.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
0.3%
-53.2% YoY-24.6% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
24% |
| Loan To Share |
109.8%
+11.8% YoY-0.8% QoQ
|
+39.4% |
70.4%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 0.7% in tier |
| AMR |
$25,379
+5.1% YoY+2.1% QoQ
|
+$461 |
$24,918
+2.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration |
41.4%
+4.8% YoY+2.9% QoQ
|
+17.1% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)