BlastPoint's Credit Union Scorecard
BRAZOS COMMUNITY
Charter #67510 · TX
BRAZOS COMMUNITY has 3 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - ROA 5.29% below tier average
- - Efficiency ratio 19.88% above tier (higher cost structure)
- - Delinquency rate 1.10% above tier average
- - Member decline: -8.7% YoY
- - Asset Growth Rate: Bottom 1.0% in tier
- - Deposit Growth Rate: Bottom 1.3% in tier
- - Net Charge-Off Rate: Bottom 2.5% in tier
- - AMR Growth Rate: Bottom 4.4% in tier
- - Member Growth Rate: Bottom 7.4% in tier
- - Loan Growth Rate: Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,973
-8.7% YoY-2.2% QoQ
|
-652 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
50% |
| Assets |
$20.7M
-23.2% YoY-7.2% QoQ
|
$-9.2M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
49% |
| Loans |
$16.1M
-18.4% YoY-6.3% QoQ
|
+$374K |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$16.8M
-24.1% YoY-8.2% QoQ
|
$-8.6M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
48% |
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| ROA |
-4.6%
+213.7% YoY-16.8% QoQ
|
-5.3% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.2% in tier |
| NIM |
4.4%
+4.2% YoY+4.8% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
69% |
| Efficiency Ratio |
101.3%
+28.1% YoY+3.7% QoQ
|
+19.9% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 10.1% in tier |
| Delinquency Rate |
2.6%
+60.3% YoY+31.6% QoQ
|
+1.1 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 14.4% in tier |
| Loan To Share |
95.9%
+7.4% YoY+2.1% QoQ
|
+34.7% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 6.6% in tier |
| AMR |
$16,711
-13.9% YoY-5.2% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
66% |
| CD Concentration |
32.6%
-29.5% YoY-8.4% QoQ
|
+8.1% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)