BlastPoint's Credit Union Scorecard
1ST UNIVERSITY
Charter #67483 · TX
1ST UNIVERSITY has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 2.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Efficiency ratio 15.93% above tier (higher cost structure)
- - Delinquency rate 1.09% above tier average
- - First Mortgage Concentration (%): Bottom 9.9% in tier
- - AMR Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,899
+2.7% YoY-0.1% QoQ
|
-716 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$17.9M
+2.0% YoY+1.4% QoQ
|
$-12.2M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$11.9M
-11.7% YoY-6.8% QoQ
|
$-3.9M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$15.8M
+0.9% YoY-0.1% QoQ
|
$-9.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
0.1%
-40.3% YoY-10.8% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
4.0%
-2.5% YoY-2.2% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
98.5%
+2.7% YoY+1.4% QoQ
|
+15.9% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 12.8% in tier |
| Delinquency Rate |
2.6%
+21.7% YoY+145.1% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
74.8%
-12.6% YoY-6.7% QoQ
|
+14.2% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$14,585
-7.4% YoY-3.0% QoQ
|
$-198 |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
19.7%
+4.2% YoY+1.4% QoQ
|
-4.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)