BlastPoint's Credit Union Scorecard
REED
Charter #67486 · TX
REED has 1 strength but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 1.31% above tier (higher cost structure)
- - Delinquency rate 0.51% above tier average
- - Member decline: -8.2% YoY
- - Indirect Auto Concentration (%): Bottom 0.5% in tier
- - Loan-to-Share Ratio: Bottom 3.5% in tier
- - Loan Growth Rate: Bottom 4.6% in tier
- - Member Growth Rate: Bottom 8.3% in tier
- - Deposit Growth Rate: Bottom 8.9% in tier
- - Asset Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,001
-8.2% YoY-2.0% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$15.3M
-6.8% YoY-5.9% QoQ
|
$-14.6M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$2.1M
-22.8% YoY-8.8% QoQ
|
$-13.6M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$12.5M
-8.7% YoY-7.2% QoQ
|
$-12.9M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
41% |
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| ROA |
0.6%
-21.1% YoY+2.6% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
3.1%
-0.3% YoY+1.6% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
23% |
| Efficiency Ratio |
82.7%
+4.8% YoY+0.1% QoQ
|
+1.3% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
61% |
| Delinquency Rate |
2.0%
+29.0% YoY-8.1% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
17.0%
-15.5% YoY-1.8% QoQ
|
-44.2% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.4% in tier |
| AMR |
$14,629
-3.1% YoY-5.6% QoQ
|
+$2 |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
55% |
| CD Concentration |
16.2%
-12.8% YoY-34.0% QoQ
|
-8.2% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
90.3%
-0.4% YoY+0.5% QoQ
|
+76.3% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)