BlastPoint's Credit Union Scorecard
PRESTIGE COMMUNITY
Charter #67507 · TX
PRESTIGE COMMUNITY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + First Mortgage Concentration (%): Top 1.4% in tier
- + Fee Income Per Member: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Member decline: -6.0% YoY
- - Net Charge-Off Rate: Bottom 5.7% in tier
- - Member Growth Rate: Bottom 7.5% in tier
- - Net Worth Ratio: Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,817
-6.0% YoY-1.2% QoQ
|
-7.3K |
15,145
-2.5% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$122.1M
-0.2% YoY+3.1% QoQ
|
$-109.6M |
$231.7M
+0.8% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.4% in tier |
| Loans |
$93.9M
-3.0% YoY+1.7% QoQ
|
$-50.2M |
$144.1M
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
33% |
| Deposits |
$110.3M
-0.1% YoY+2.9% QoQ
|
$-90.8M |
$201.1M
+0.4% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
17% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-448.3% YoY-688.3% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
3.6%
+5.8% YoY-0.9% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
66.3%
-20.8% YoY-19.9% QoQ
|
-11.7% |
78.0%
-1.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
18% |
| Delinquency Rate |
0.6%
+9.1% YoY-33.2% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
85.2%
-2.9% YoY-1.1% QoQ
|
+14.8% |
70.4%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$26,129
+4.8% YoY+3.5% QoQ
|
+$1K |
$24,918
+2.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
67% |
| CD Concentration |
23.8%
-11.2% YoY-3.4% QoQ
|
-0.5% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
1.9%
-23.8% YoY-12.9% QoQ
|
-11.9% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)