BlastPoint's Credit Union Scorecard
UNION PACIFIC EMPLOYEES
Charter #67417 · TX
UNION PACIFIC EMPLOYEES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.50% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.08% below tier average
- - Efficiency ratio 19.68% above tier (higher cost structure)
- - Member decline: -3.7% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
624
-3.7% YoY-1.0% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$3.9M
+1.4% YoY+2.5% QoQ
|
$-26.3M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
15% |
| Loans |
$2.4M
-3.0% YoY+1.9% QoQ
|
$-12.8M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$3.0M
+2.0% YoY+3.7% QoQ
|
$-22.8M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
15% |
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| ROA |
-0.9%
+47.1% YoY
|
-1.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.9% in tier |
| NIM |
4.5%
-5.5% YoY-4.0% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
110.3%
+20.7% YoY+14.0% QoQ
|
+19.7% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.4% in tier |
| Delinquency Rate |
1.3%
-11.8% YoY-7.2% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
71% |
| Loan To Share |
82.9%
-4.9% YoY-1.7% QoQ
|
+24.3% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
85% |
| AMR |
$8,659
+3.5% YoY+3.8% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration |
31.6%
+5.5% YoY-2.2% QoQ
|
+7.4% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)