BlastPoint's Credit Union Scorecard
CORPUS CHRISTI S.P.
Charter #67485 · TX
CORPUS CHRISTI S.P. has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.24% above tier average
- + Loan-to-Share Ratio: Top 7.0% in tier
- + Deposit Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.90% below tier average
- - Efficiency ratio 0.16% above tier (higher cost structure)
- - Delinquency rate 2.59% above tier average
- - Share Certificate Concentration (%): Bottom 7.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +10.0% year over year ($4.3M in shares and deposits).
- Membership: 630 members, +1.9% vs a year ago.
- Delinquency rate 4.13%.
- Return on assets 0.59%.
- Efficiency ratio 88.92% vs a 88.77% peer average.
- Loan-to-share ratio 92.17% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
630
+1.9% YoY-1.1% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$5.0M
+3.2% YoY+0.2% QoQ
|
$-25.2M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$4.0M
+5.7% YoY-3.7% QoQ
|
$-11.5M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$4.3M
+10.0% YoY+0.8% QoQ
|
$-21.5M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
0.6%
-234.6% YoY+25.7% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
37% |
| NIM |
5.1%
+3.1% YoY-2.4% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 9.7% in tier |
| Efficiency Ratio |
88.9%
-4.8% YoY+3.6% QoQ
|
+0.2% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
4.1%
+32.2% YoY-37.1% QoQ
|
+2.6 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.3% in tier |
| Loan To Share |
92.2%
-3.9% YoY-4.4% QoQ
|
+33.3% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 7.1% in tier |
| AMR |
$13,086
+5.9% YoY-0.3% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
45% |
| CD Concentration |
40.8%
+7.3% YoY+17.8% QoQ
|
+16.3% | 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)