BlastPoint's Credit Union Scorecard
FEDERAL EMPLOYEES
Charter #67414 · TX
FEDERAL EMPLOYEES has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.95% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.42% below tier average
- - Efficiency ratio 9.40% above tier (higher cost structure)
- - Member decline: -7.2% YoY
- - Deposit Growth Rate: Bottom 3.5% in tier
- - Asset Growth Rate: Bottom 4.1% in tier
- - Total Members: Bottom 9.3% in tier
- - AMR Growth Rate: Bottom 9.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -14.1% year over year ($2.2M in shares and deposits).
- Membership: 349 members, -7.2% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.07%.
- Efficiency ratio 98.16% vs a 88.77% peer average.
- Loan-to-share ratio 59.88% vs a 58.89% 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 |
349
-7.2% YoY-0.6% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Bottom 9.2% in tier |
| Assets |
$2.9M
-11.2% YoY-0.4% QoQ
|
$-27.4M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 12.0% in tier |
| Loans |
$1.3M
-15.9% YoY-4.0% QoQ
|
$-14.1M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.6% in tier |
| Deposits |
$2.2M
-14.1% YoY-0.3% QoQ
|
$-23.6M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.0% in tier |
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| ROA |
0.1%
-84.3% YoY-74.9% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.9% in tier |
| NIM |
4.8%
-2.9% YoY-1.6% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 14.2% in tier |
| Efficiency Ratio |
98.2%
+7.1% YoY+3.8% QoQ
|
+9.4% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
85% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
59.9%
-2.1% YoY-3.7% QoQ
|
+1.0% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$10,049
-8.2% YoY-1.2% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
16.5%
+16.7% YoY+0.4% QoQ
|
-8.0% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 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)