BlastPoint's Credit Union Scorecard
REED
Charter #67486 · TX
REED has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.43% below tier average
- - Efficiency ratio 7.11% above tier (higher cost structure)
- - Member decline: -8.2% YoY
- - Indirect Auto Concentration (%): Bottom 0.4% in tier
- - Loan-to-Share Ratio: Bottom 3.0% in tier
- - Loan Growth Rate: Bottom 5.3% in tier
- - Member Growth Rate: Bottom 8.5% 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 -4.3% year over year ($12.9M in shares and deposits).
- Membership: 937 members, -8.2% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.07%.
- Efficiency ratio 95.87% vs a 88.77% peer average.
- Loan-to-share ratio 14.11% 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 |
937
-8.2% YoY-3.2% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$15.7M
-3.4% YoY+2.9% QoQ
|
$-14.6M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$1.8M
-22.0% YoY-12.3% QoQ
|
$-13.6M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$12.9M
-4.3% YoY+3.5% QoQ
|
$-12.9M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
0.1%
-87.8% YoY-21.9% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.7% in tier |
| NIM |
3.0%
-2.5% YoY-1.9% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
95.9%
+16.1% YoY+2.8% QoQ
|
+7.1% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
14.1%
-18.6% YoY-15.2% QoQ
|
-44.8% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.9% in tier |
| AMR |
$15,714
+1.4% YoY+4.6% QoQ
|
+$752 |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
59% |
| CD Concentration |
18.5%
-25.0% YoY+27.4% QoQ
|
-6.1% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
86.9%
-3.3% YoY-3.5% QoQ
|
+73.3% | 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)