BlastPoint's Credit Union Scorecard
SWEETEX
Charter #67520 · TX
SWEETEX has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.13% above tier average
- + 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
- - Member decline: -3.6% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
697
-3.6% YoY-1.0% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$9.4M
+0.6% YoY+1.4% QoQ
|
$-20.8M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$3.5M
+9.4% YoY-1.2% QoQ
|
$-11.8M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
27% |
| Deposits |
$5.6M
-2.2% YoY+2.0% QoQ
|
$-20.2M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
1.3%
+92.0% YoY+3.3% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
79% |
| NIM |
3.5%
+2.6% YoY-6.8% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
34% |
| Efficiency Ratio |
63.5%
-21.2% YoY-5.3% QoQ
|
-27.2% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
62.8%
+11.9% YoY-3.1% QoQ
|
+4.3% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
56% |
| AMR |
$12,965
+5.8% YoY+1.7% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
45% |
| CD Concentration |
28.3%
+24.4% YoY+3.1% QoQ
|
+4.0% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)