BlastPoint's Credit Union Scorecard
UNION PACIFIC EMPLOYEES
Charter #67417 · TX
UNION PACIFIC EMPLOYEES has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.80% below tier average
- - Efficiency ratio 14.83% above tier (higher cost structure)
- - Delinquency rate 0.36% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
642
+0.3% YoY-0.9% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$3.7M
-1.7% YoY-5.1% QoQ
|
$-26.2M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
15% |
| Loans |
$2.5M
-11.1% YoY-0.4% QoQ
|
$-13.3M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$2.8M
-1.6% YoY-6.6% QoQ
|
$-22.7M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.9% in tier |
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| ROA |
-0.1%
-81.2% YoY-14.5% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.6% in tier |
| NIM |
4.6%
-9.6% YoY+1.3% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
96.2%
+6.1% YoY+3.7% QoQ
|
+14.8% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 14.6% in tier |
| Delinquency Rate |
1.9%
-35.7% YoY+25.9% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
89.5%
-9.6% YoY+6.6% QoQ
|
+28.3% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 11.4% in tier |
| AMR |
$8,222
-6.6% YoY-2.9% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
32.6%
+90.2% YoY+11.1% QoQ
|
+8.2% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)