BlastPoint's Credit Union Scorecard
NAVARRO
Charter #67407 · TX
NAVARRO has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Average Member Relationship (AMR): Bottom 7.4% in tier
- - Net Charge-Off Rate: Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
673
+0.1% YoY-0.6% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$2.8M
-1.8% YoY+1.2% QoQ
|
$-27.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.9% in tier |
| Loans |
$1.4M
+5.0% YoY+3.8% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.0% in tier |
| Deposits |
$1.6M
-3.8% YoY+1.7% QoQ
|
$-24.1M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.0% in tier |
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| ROA |
0.5%
-35.6% YoY-19.6% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
4.3%
+6.1% YoY+1.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
77.1%
-0.8% YoY+2.5% QoQ
|
-5.5% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.8%
-40.8% YoY+286.8% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
87.6%
+9.1% YoY+2.1% QoQ
|
+27.0% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 12.5% in tier |
| AMR |
$4,503
-0.0% YoY+3.3% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.4% in tier |
| CD Concentration | 0.0% | -24.4% | 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)