BlastPoint's Credit Union Scorecard

PECU

Charter #67428 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

PECU has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.22% above tier average
+ Total Assets: Top 5.7% in tier
+ Total Deposits: Top 6.3% in tier
+ First Mortgage Concentration (%): Top 7.2% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Member decline: -4.0% YoY
- Indirect Auto Concentration (%): Bottom 9.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	21,602 -4.0% YoY+0.4% QoQ	+6.5K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	82%
Assets	$439.1M +0.5% YoY+0.4% QoQ	+$207.4M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Top 5.8% in tier
Loans	$220.0M -3.1% YoY-2.3% QoQ	+$75.8M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	82%
Deposits	$375.5M -1.5% YoY-0.2% QoQ	+$174.3M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Top 6.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -18.7% YoY-17.1% QoQ	+0.2%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	67%
NIM	3.4% +4.1% YoY-2.9% QoQ	-0.2%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	36%
Efficiency Ratio	61.7% +0.9% YoY+0.2% QoQ	-16.3%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Top 10.3% in tier
Delinquency Rate	0.5% +37.5% YoY+18.1% QoQ	-0.3	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	43%
Loan To Share	58.6% -1.6% YoY-2.1% QoQ	-11.8%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	24%
AMR	$27,565 +2.0% YoY-1.4% QoQ	+$3K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	73%
CD Concentration	15.0% +7.6% YoY+0.3% QoQ	-9.3%	24.3%	21.3%	19.8%	50%
Indirect Auto %	38.4% -3.8% YoY+2.1% QoQ	+24.6%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#138 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.09%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.52%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#64 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $439.08M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -4.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.09%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#181 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#197 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.45%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 38.41%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -4.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Margin Compression

decline

#76 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.95%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.17%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.22% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Credit Quality Pressure

risk

#420 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Total Assets

balance_sheet

Value: $439.08M

Peer Median: $196.57M

#62 of 1070 Top 5.7% in 100M-500M tier

Total Deposits

balance_sheet

Value: $375.47M

Peer Median: $171.29M

#68 of 1070 Top 6.3% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 6.05%

Peer Median: 29.47%

#78 of 1070 Top 7.2% in 100M-500M tier

111

Efficiency Ratio

profitability

Value: 61.69%

Peer Median: 78.68%

#111 of 1070 Top 10.3% in 100M-500M tier

196

Total Loans

balance_sheet

Value: $219.98M

Peer Median: $121.41M

#196 of 1070 Top 18.2% in 100M-500M tier

197

Net Worth Ratio

risk

Value: 14.31%

Peer Median: 11.45%

#197 of 1070 Top 18.3% in 100M-500M tier

198

Total Members

engagement

Value: 21,602

Peer Median: 13,200

#198 of 1070 Top 18.4% in 100M-500M tier

242

Share Certificate Concentration (%)

balance_sheet

Value: 15.01%

Peer Median: 23.10%

#242 of 1070 Top 22.5% in 100M-500M tier

Top Weaknesses (7 metrics)

974

Indirect Auto Concentration (%)

balance_sheet

Value: 38.41%

Peer Median: 6.61%

#974 of 1070 Bottom 9.1% in 100M-500M tier

952

Fee Income Per Member

profitability

Value: $82.22

Peer Median: $154.95

#952 of 1070 Bottom 11.1% in 100M-500M tier

938

Deposit Growth Rate

growth

Value: -1.53%

Peer Median: 3.30%

#938 of 1070 Bottom 12.4% in 100M-500M tier

917

Member Growth Rate

growth

Value: -4.01%

Peer Median: -0.06%

#917 of 1070 Bottom 14.4% in 100M-500M tier

892

Loan Growth Rate

growth

Value: -3.09%

Peer Median: 2.93%

#892 of 1070 Bottom 16.7% in 100M-500M tier

853

Asset Growth Rate

growth

Value: 0.45%

Peer Median: 3.91%

#853 of 1070 Bottom 20.4% in 100M-500M tier

809

Loan-to-Share Ratio

balance_sheet

Value: 58.59%

Peer Median: 71.88%

#809 of 1070 Bottom 24.5% in 100M-500M tier