BlastPoint's Credit Union Scorecard
LINKAGE
Charter #67519 · TX
LINKAGE has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.67% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Efficiency ratio 5.29% above tier (higher cost structure)
- - Member decline: -9.5% YoY
- - Member Growth Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,902
-9.5% YoY-0.3% QoQ
|
-713 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
49% |
| Assets |
$17.9M
+2.1% YoY-0.4% QoQ
|
$-12.3M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$9.7M
-6.2% YoY-2.2% QoQ
|
$-6.0M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$14.6M
+2.2% YoY-0.4% QoQ
|
$-11.1M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
0.3%
-45.4% YoY+63.2% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
4.6%
-0.4% YoY-0.0% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
87.8%
+2.1% YoY-0.3% QoQ
|
+5.3% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.7%
+14.3% YoY+23.1% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
66.6%
-8.3% YoY-1.8% QoQ
|
+6.0% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$12,811
+9.1% YoY-0.8% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
23.1%
+6.7% YoY+4.7% QoQ
|
-1.3% | 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)