BlastPoint's Credit Union Scorecard
REED
Charter #67486 · TX
REED has 1 strength but faces 9 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 0.14% below tier average
- - Efficiency ratio 2.78% above tier (higher cost structure)
- - Delinquency rate 2.09% above tier average
- - Member decline: -8.4% YoY
- - Indirect Auto Concentration (%): Bottom 0.5% in tier
- - Loan-to-Share Ratio: Bottom 3.2% in tier
- - Loan Growth Rate: Bottom 3.4% in tier
- - Member Growth Rate: Bottom 7.4% in tier
- - Total Delinquency Rate (60+ days): 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 |
985
-8.4% YoY-1.6% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$15.3M
-5.5% YoY-0.0% QoQ
|
$-14.9M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$2.0M
-25.2% YoY-4.9% QoQ
|
$-13.7M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$12.5M
-7.1% YoY-0.1% QoQ
|
$-13.2M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
0.5%
-30.5% YoY-13.3% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
3.2%
-0.3% YoY+2.0% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
85.3%
+7.3% YoY+3.2% QoQ
|
+2.8% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
3.6%
+61.5% YoY+81.0% QoQ
|
+2.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 9.9% in tier |
| Loan To Share |
16.2%
-19.5% YoY-4.8% QoQ
|
-44.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.1% in tier |
| AMR |
$14,751
-1.9% YoY+0.8% QoQ
|
$-32 |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
15.7%
-10.5% YoY-3.5% QoQ
|
-8.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
91.1%
+0.6% YoY+0.9% QoQ
|
+77.3% | 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)