BlastPoint's Credit Union Scorecard
DEL RIO S.P.
Charter #67531 · TX
DEL RIO S.P. has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.30% above tier average
- + Net Charge-Off Rate: Top 1.1% in tier
- + Net Worth Ratio: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.39% below tier average
- - Efficiency ratio 5.88% above tier (higher cost structure)
- - Delinquency rate 3.53% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.3% in tier
- - Average Member Relationship (AMR): Bottom 7.3% in tier
- - Asset Growth Rate: Bottom 9.1% in tier
- - Deposit Growth Rate: Bottom 9.9% in tier
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 -8.3% year over year ($2.0M in shares and deposits).
- Membership: 759 members, -0.3% vs a year ago.
- Delinquency rate 5.07%.
- Return on assets 0.10%.
- Efficiency ratio 94.65% vs a 88.77% peer average.
- Loan-to-share ratio 64.77% 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 |
759
-0.3% YoY-0.3% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$3.2M
-7.1% YoY-2.7% QoQ
|
$-27.0M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.5% in tier |
| Loans |
$1.3M
+6.2% YoY-6.4% QoQ
|
$-14.1M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.6% in tier |
| Deposits |
$2.0M
-8.3% YoY-4.2% QoQ
|
$-23.8M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.3% in tier |
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| ROA |
0.1%
-72.6% YoY-51.3% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.3% in tier |
| NIM |
6.2%
+1.8% YoY+13.6% QoQ
|
+2.3% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 2.6% in tier |
| Efficiency Ratio |
94.6%
+3.3% YoY-9.8% QoQ
|
+5.9% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
5.1%
+56.0% YoY+555.0% QoQ
|
+3.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.3% in tier |
| Loan To Share |
64.8%
+15.8% YoY-2.3% QoQ
|
+5.9% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$4,397
-2.9% YoY-4.8% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.3% in tier |
| CD Concentration | 0.0% | -24.6% | 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)