BlastPoint's Credit Union Scorecard
BRAZOS COMMUNITY
Charter #67510 · TX
BRAZOS COMMUNITY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 2.53% below tier average
- - Efficiency ratio 20.90% above tier (higher cost structure)
- - Delinquency rate 1.65% above tier average
- - Member decline: -9.4% YoY
- - Asset Growth Rate: Bottom 2.5% in tier
- - Deposit Growth Rate: Bottom 3.1% in tier
- - Member Growth Rate: Bottom 6.7% in tier
- - Loan Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,957
-9.4% YoY-0.1% QoQ
|
-719 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
51% |
| Assets |
$20.0M
-13.6% YoY+0.0% QoQ
|
$-10.2M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$14.8M
-16.5% YoY-3.2% QoQ
|
$-436K |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$16.3M
-14.4% YoY+1.4% QoQ
|
$-9.4M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
47% |
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| ROA |
-2.4%
-74.9% YoY-36.0% QoQ
|
-2.5% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.1% in tier |
| NIM |
4.0%
+5.1% YoY-10.0% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
60% |
| Efficiency Ratio |
111.5%
+12.9% YoY+7.7% QoQ
|
+20.9% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate |
3.2%
+7.0% YoY+19.6% QoQ
|
+1.7 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.5% in tier |
| Loan To Share |
90.9%
-2.5% YoY-4.6% QoQ
|
+32.3% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 7.6% in tier |
| AMR |
$15,935
-6.7% YoY-0.8% QoQ
|
+$1K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration |
32.6%
-18.9% YoY-1.0% QoQ
|
+8.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)