BlastPoint's Credit Union Scorecard
LINKAGE
Charter #67519 · TX
LINKAGE has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.53% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.42% below tier average
- - Efficiency ratio 1.96% above tier (higher cost structure)
- - Member decline: -3.3% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +2.2% year over year ($14.9M in shares and deposits).
- Membership: 1,861 members, -3.3% vs a year ago.
- Delinquency rate 1.27%.
- Return on assets 0.08%.
- Efficiency ratio 90.73% vs a 88.77% peer average.
- Loan-to-share ratio 64.63% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,861
-3.3% YoY-2.2% QoQ
|
-724 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$18.2M
+2.0% YoY+1.7% QoQ
|
$-12.1M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$9.6M
-4.8% YoY-0.5% QoQ
|
$-5.8M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$14.9M
+2.2% YoY+1.8% QoQ
|
$-10.9M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
45% |
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| ROA |
0.1%
-58.4% YoY-118.9% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.2% in tier |
| NIM |
4.4%
-4.1% YoY-0.5% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
90.7%
+1.6% YoY-3.0% QoQ
|
+2.0% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
1.3%
+226.4% YoY+340.9% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
64.6%
-6.9% YoY-2.3% QoQ
|
+5.7% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$13,172
+2.7% YoY+3.2% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
25.7%
+13.5% YoY+6.5% QoQ
|
+1.1% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)