BlastPoint's Credit Union Scorecard
SHARED RESOURCES
Charter #67477 · TX
SHARED RESOURCES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.51% above tier average
- + Fee Income Per Member: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.80% below tier average
- - Efficiency ratio 14.99% above tier (higher cost structure)
- - Member decline: -5.9% YoY
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,730
-5.9% YoY-2.0% QoQ
|
+144 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$25.4M
-3.0% YoY-3.2% QoQ
|
$-4.8M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$18.9M
-2.4% YoY+1.5% QoQ
|
+$3.4M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
69% |
| Deposits |
$21.9M
-3.2% YoY-3.5% QoQ
|
$-3.9M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
55% |
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| ROA |
0.7%
+197.5% YoY-177.0% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
43% |
| NIM |
5.4%
+5.2% YoY+4.8% QoQ
|
+1.5% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 6.7% in tier |
| Efficiency Ratio |
103.8%
+11.2% YoY-6.5% QoQ
|
+15.0% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.2% in tier |
| Delinquency Rate |
0.6%
+6.4% YoY-40.8% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
86.4%
+0.8% YoY+5.2% QoQ
|
+27.5% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 12.7% in tier |
| AMR |
$14,932
+3.2% YoY+0.9% QoQ
|
$-30 |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
55% |
| CD Concentration |
7.4%
+249.0% YoY+40.9% QoQ
|
-17.2% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)