BlastPoint's Credit Union Scorecard
ASPIRE
Charter #67489 · TX
ASPIRE has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.21% above tier average
- + Net Interest Margin 1.26% above tier average
- + Fee Income Per Member: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.1% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,441
-5.1% YoY-6.0% QoQ
|
-174 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$38.4M
+3.4% YoY-0.3% QoQ
|
+$8.2M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$22.0M
-4.9% YoY-2.5% QoQ
|
+$6.2M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$30.5M
+0.6% YoY-1.4% QoQ
|
+$4.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
1.8%
-6.6% YoY-3.9% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 9.3% in tier |
| NIM |
5.2%
+4.7% YoY+0.0% QoQ
|
+1.3% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 10.3% in tier |
| Efficiency Ratio |
70.5%
+6.0% YoY+1.9% QoQ
|
-12.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.2%
-37.3% YoY-2.8% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
72.1%
-5.5% YoY-1.1% QoQ
|
+11.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$21,474
+3.5% YoY+4.3% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
7.4%
-43.0% YoY-5.7% QoQ
|
-17.0% | 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)