BlastPoint's Credit Union Scorecard
SWEETEX
Charter #67520 · TX
SWEETEX has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Member decline: -3.9% 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 -2.0% year over year ($5.6M in shares and deposits).
- Membership: 691 members, -3.9% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.21%.
- Efficiency ratio 65.24% vs a 88.77% peer average.
- Loan-to-share ratio 58.40% 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 |
691
-3.9% YoY-0.9% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
20% |
| Assets |
$9.4M
-0.8% YoY+0.4% QoQ
|
$-20.8M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$3.3M
-2.9% YoY-5.5% QoQ
|
$-12.2M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$5.6M
-2.0% YoY+1.6% QoQ
|
$-20.2M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
1.2%
+42.5% YoY-5.6% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
3.5%
-0.5% YoY+1.1% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
34% |
| Efficiency Ratio |
65.2%
-14.4% YoY+2.8% QoQ
|
-23.5% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
58.4%
-0.9% YoY-7.0% QoQ
|
-0.5% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
50% |
| AMR |
$12,930
+1.6% YoY-0.3% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
27.2%
+13.4% YoY-4.0% QoQ
|
+2.6% | 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)