BlastPoint's Credit Union Scorecard
UNION PACIFIC EMPLOYEES
Charter #67417 · TX
UNION PACIFIC EMPLOYEES has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.74% above tier average
- + Net Charge-Off Rate: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Efficiency ratio 14.17% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
630
-1.1% YoY-1.9% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$3.8M
+3.3% YoY+1.9% QoQ
|
$-26.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
15% |
| Loans |
$2.4M
-8.6% YoY-3.6% QoQ
|
$-13.4M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$2.9M
+4.5% YoY+2.3% QoQ
|
$-22.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 15.0% in tier |
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| ROA |
0.0%
-100.8% YoY-106.2% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
4.7%
-8.4% YoY+2.0% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
96.7%
+8.3% YoY+0.5% QoQ
|
+14.2% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.9% in tier |
| Delinquency Rate |
1.4%
-47.1% YoY-22.9% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
84.3%
-12.6% YoY-5.8% QoQ
|
+23.7% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$8,341
-0.8% YoY+1.4% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
32.3%
+77.6% YoY-0.8% QoQ
|
+7.9% | 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)