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 0.53% 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 4.34% below tier average
- - Efficiency ratio 20.99% above tier (higher cost structure)
- - Delinquency rate 1.08% above tier average
- - Member decline: -9.4% YoY
- - Asset Growth Rate: Bottom 1.2% in tier
- - Deposit Growth Rate: Bottom 1.4% in tier
- - Net Charge-Off Rate: Bottom 2.9% in tier
- - AMR Growth Rate: Bottom 4.9% in tier
- - Member Growth Rate: Bottom 6.1% in tier
- - Loan Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,958
-9.4% YoY-0.8% QoQ
|
-657 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$20.0M
-20.9% YoY-3.2% QoQ
|
$-10.1M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$15.3M
-17.4% YoY-5.0% QoQ
|
$-424K |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$16.1M
-22.2% YoY-4.3% QoQ
|
$-9.6M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
-3.7%
+114.8% YoY-19.4% QoQ
|
-4.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.4% in tier |
| NIM |
4.5%
+3.9% YoY+3.0% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
103.6%
+27.8% YoY+2.2% QoQ
|
+21.0% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 9.2% in tier |
| Delinquency Rate |
2.6%
+112.4% YoY+1.2% QoQ
|
+1.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
95.2%
+6.2% YoY-0.8% QoQ
|
+34.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 6.5% in tier |
| AMR |
$16,061
-11.7% YoY-3.9% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
32.9%
-24.2% YoY+1.2% QoQ
|
+8.5% | 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)