BlastPoint's Credit Union Scorecard
FEDERAL EMPLOYEES
Charter #67414 · TX
FEDERAL EMPLOYEES has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.11% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 14.28% above tier (higher cost structure)
- - Member decline: -7.8% YoY
- - Fee Income Per Member: Bottom 0.4% in tier
- - Member Growth Rate: Bottom 8.5% in tier
- - Total Members: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
356
-7.8% YoY-3.5% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 9.6% in tier |
| Assets |
$3.1M
-4.6% YoY-2.3% QoQ
|
$-27.1M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.2% in tier |
| Loans |
$1.5M
-3.0% YoY-4.4% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.3% in tier |
| Deposits |
$2.4M
-6.0% YoY-3.0% QoQ
|
$-23.3M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.4% in tier |
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| ROA |
0.2%
-48.4% YoY-6.7% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
5.1%
+0.2% YoY+1.2% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 13.1% in tier |
| Efficiency Ratio |
96.8%
+3.1% YoY+0.2% QoQ
|
+14.3% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.9% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
60.9%
+3.3% YoY-1.5% QoQ
|
+0.3% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$10,930
+3.1% YoY-0.0% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration |
15.0%
+6.1% YoY+3.1% QoQ
|
-9.5% | 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)