BlastPoint's Credit Union Scorecard
PARIS DISTRICT
Charter #67499 · TX
<100M
2508 CUs in <100M nationally
237 in TX
PARIS DISTRICT has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.84% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Efficiency ratio 8.69% above tier (higher cost structure)
- - Delinquency rate 13.16% above tier average
- - Member decline: -10.6% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.5% in tier
- - Total Assets: Bottom 2.6% in tier
- - Total Deposits: Bottom 2.8% in tier
- - Total Members: Bottom 4.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
186
-10.6% YoY-12.3% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 4.1% in tier |
| Assets |
$434,816
-4.1% YoY+0.5% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.6% in tier |
| Loans |
$204,441
-1.5% YoY-4.8% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.2% in tier |
| Deposits |
$347,176
-5.1% YoY+1.2% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.8% in tier |
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| ROA |
0.0%
-69.9% YoY-45.3% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
23% |
| NIM |
4.9%
+10.7% YoY+7.7% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 14.3% in tier |
| Efficiency Ratio |
99.3%
+1.9% YoY+0.7% QoQ
|
+8.7% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
14.7%
+1818.6% YoY+748.6% QoQ
|
+13.2 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.5% in tier |
| Loan To Share |
58.9%
+3.9% YoY-5.9% QoQ
|
+0.4% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$2,966
+7.6% YoY+12.7% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.3% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
358
Net Interest Margin (NIM)
profitability
Value:
4.85%
Peer Median: 3.83%
#358 of 2508
Top 14.2% in <100M tier
388
AMR Growth Rate
growth
Value:
7.57%
Peer Median: 1.27%
#388 of 2508
Top 15.4% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
549
Net Worth Ratio
risk
Value:
20.02%
Peer Median: 14.28%
#549 of 2508
Top 21.9% in <100M tier
Top Weaknesses (14 metrics)
2472
Total Delinquency Rate (60+ days)
risk
Value:
14.66%
Peer Median: 0.65%
#2472 of 2508
Bottom 1.5% in <100M tier
2444
Total Assets
balance_sheet
Value:
$434,816
Peer Median: $21.86M
#2444 of 2508
Bottom 2.6% in <100M tier
2438
Total Deposits
balance_sheet
Value:
$347,176
Peer Median: $18.77M
#2438 of 2508
Bottom 2.8% in <100M tier
2405
Total Members
engagement
Value:
186
Peer Median: 1,918
#2405 of 2508
Bottom 4.1% in <100M tier
2402
Total Loans
balance_sheet
Value:
$204,441
Peer Median: $9.48M
#2402 of 2508
Bottom 4.3% in <100M tier
2399
Average Member Relationship (AMR)
engagement
Value:
$2,966
Peer Median: $13,926
#2399 of 2508
Bottom 4.4% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2373
Member Growth Rate
growth
Value:
-10.58%
Peer Median: -1.37%
#2373 of 2508
Bottom 5.4% in <100M tier
2350
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,099
Peer Median: $4,923
#2350 of 2508
Bottom 6.3% in <100M tier
2161
Members Per Employee (MPE)
engagement
Value:
186.000
Peer Median: 333.750
#2161 of 2508
Bottom 13.9% in <100M tier