BlastPoint's Credit Union Scorecard

AMERICA'S

Charter #67470 · TX

100M-500M

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

AMERICA'S has 5 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

+ Net Interest Margin 0.72% above tier average
+ Total Members: Top 5.0% in tier
+ Total Assets: Top 7.9% in tier
+ Total Loans: Top 7.9% in tier
+ Total Deposits: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.80% below tier average
- Efficiency ratio 19.87% above tier (higher cost structure)
- Member decline: -2.8% YoY
- Net Charge-Off Rate: Bottom 6.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	31,666 -2.8% YoY+1.3% QoQ	+16.5K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Top 5.1% in tier
Assets	$422.5M -2.7% YoY+2.2% QoQ	+$190.8M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Top 8.0% in tier
Loans	$278.9M -1.1% YoY+0.6% QoQ	+$134.7M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Top 8.0% in tier
Deposits	$357.9M -3.2% YoY+2.1% QoQ	+$156.8M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Top 9.3% 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	-0.1% -134.7% YoY-113.8% QoQ	-0.8%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 6.5% in tier
NIM	4.4% +0.2% YoY-5.2% QoQ	+0.7%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Top 12.9% in tier
Efficiency Ratio	97.9% +11.0% YoY+17.4% QoQ	+19.9%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 3.9% in tier
Delinquency Rate	0.5% -28.5% YoY-57.5% QoQ	-0.3	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	38%
Loan To Share	77.9% +2.2% YoY-1.5% QoQ	+7.5%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	62%
AMR	$20,109 +0.5% YoY+0.2% QoQ	$-5K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	33%
CD Concentration	15.9% +2.9% YoY+6.0% QoQ	-8.4%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.7% -43.8% YoY-15.6% QoQ	-13.1%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#117 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 97.89%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.29% points

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

worse than tier avg

Member Growth (YoY): -2.76%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Stagnation Risk

risk

#273 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): -2.76%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.09%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.46%

(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

Membership Headwinds

decline

#282 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): -2.76%

(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

Institutional Decline

decline

#152 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: $422.47M

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

but better than tier avg

Member Growth (YoY): -2.76%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.09%

(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

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 (7 metrics)

Total Members

engagement

Value: 31,666

Peer Median: 13,200

#55 of 1070 Top 5.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $422.47M

Peer Median: $196.57M

#86 of 1070 Top 7.9% in 100M-500M tier

Total Loans

balance_sheet

Value: $278.88M

Peer Median: $121.41M

#86 of 1070 Top 7.9% in 100M-500M tier

Total Deposits

balance_sheet

Value: $357.90M

Peer Median: $171.29M

#99 of 1070 Top 9.2% in 100M-500M tier

138

Net Interest Margin (NIM)

profitability

Value: 4.35%

Peer Median: 3.62%

#138 of 1070 Top 12.8% in 100M-500M tier

144

Net Worth Ratio

risk

Value: 15.27%

Peer Median: 11.45%

#144 of 1070 Top 13.4% in 100M-500M tier

267

Share Certificate Concentration (%)

balance_sheet

Value: 15.87%

Peer Median: 23.10%

#267 of 1070 Top 24.9% in 100M-500M tier

Top Weaknesses (8 metrics)

1029

Efficiency Ratio

profitability

Value: 97.89%

Peer Median: 78.68%

#1029 of 1070 Bottom 3.9% in 100M-500M tier

1003

Net Charge-Off Rate

risk

Value: 1.29%

Peer Median: 0.35%

#1003 of 1070 Bottom 6.4% in 100M-500M tier

1000

Return on Assets (ROA)

profitability

Value: -0.07%

Peer Median: 0.69%

#1000 of 1070 Bottom 6.6% in 100M-500M tier

997

Deposit Growth Rate

growth

Value: -3.23%

Peer Median: 3.30%

#997 of 1070 Bottom 6.9% in 100M-500M tier

993

Asset Growth Rate

growth

Value: -2.66%

Peer Median: 3.91%

#993 of 1070 Bottom 7.3% in 100M-500M tier

925

Members Per Employee (MPE)

engagement

Value: 234.563

Peer Median: 309.176

#925 of 1070 Bottom 13.6% in 100M-500M tier

835

Member Growth Rate

growth

Value: -2.76%

Peer Median: -0.06%

#835 of 1070 Bottom 22.1% in 100M-500M tier

813

AMR Growth Rate

growth

Value: 0.47%

Peer Median: 3.46%

#813 of 1070 Bottom 24.1% in 100M-500M tier