BlastPoint's Credit Union Scorecard
SWEETEX
Charter #67520 · TX
2596 CUs in <100M nationally
245 in TX
SWEETEX has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.2% YoY
- - Deposit Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
715
-4.2% YoY-0.6% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$9.0M
-4.5% YoY-5.0% QoQ
|
$-20.8M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$3.5M
+2.2% YoY+1.7% QoQ
|
$-12.3M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$5.3M
-9.1% YoY-7.4% QoQ
|
$-20.1M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
24% |
| ROA |
1.2%
+335.9% YoY+37.0% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
3.7%
+32.9% YoY+4.2% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
68.7%
-24.1% YoY-9.8% QoQ
|
-12.7% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
64.7%
+12.4% YoY+9.8% QoQ
|
+3.5% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$12,286
-0.9% YoY-3.5% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
41% |
| CD Concentration |
22.2%
+3.3% YoY-7.4% QoQ
|
-2.2% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
63
Net Worth Ratio
risk
Value:
40.19%
Peer Avg: 16.43%
#63 of 2596
Top 2.4% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (6 metrics)
2383
Deposit Growth Rate
growth
Value:
-9.09%
Peer Avg: 16.80%
#2383 of 2596
Bottom 8.2% in <100M tier
2247
Fee Income Per Member
profitability
Value:
$4.30
Peer Avg: $182.96
#2247 of 2596
Bottom 13.5% in <100M tier
2187
Asset Growth Rate
growth
Value:
-4.48%
Peer Avg: 1.82%
#2187 of 2596
Bottom 15.8% in <100M tier
2064
Total Members
engagement
Value:
715
Peer Avg: 2,626
#2064 of 2596
Bottom 20.5% in <100M tier
2027
Member Growth Rate
growth
Value:
-4.16%
Peer Avg: 14.92%
#2027 of 2596
Bottom 22.0% in <100M tier
1962
Total Deposits
balance_sheet
Value:
$5.33M
Peer Avg: $25.45M
#1962 of 2596
Bottom 24.5% in <100M tier