BlastPoint's Credit Union Scorecard
DEL RIO S.P.
Charter #67531 · TX
2556 CUs in <100M nationally
243 in TX
DEL RIO S.P. has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 3.2% in tier
- + Loan Growth Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 2.43% below tier average
- - Efficiency ratio 13.26% above tier (higher cost structure)
- - Delinquency rate 2.19% above tier average
- - Net Charge-Off Rate: Bottom 3.3% in tier
- - Average Member Relationship (AMR): Bottom 7.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
768
-0.5% YoY+0.8% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$3.3M
-6.3% YoY-3.2% QoQ
|
$-26.9M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.8% in tier |
| Loans |
$1.3M
+18.6% YoY+5.0% QoQ
|
$-14.5M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.3% in tier |
| Deposits |
$2.1M
-7.4% YoY-2.6% QoQ
|
$-23.6M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.7% in tier |
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| ROA |
-1.8%
+666.8% YoY+322.8% QoQ
|
-2.4% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.4% in tier |
| NIM |
6.2%
+23.5% YoY+1.3% QoQ
|
+2.2% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 3.2% in tier |
| Efficiency Ratio |
95.8%
-8.3% YoY+4.0% QoQ
|
+13.3% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
3.7%
+127.2% YoY+87.7% QoQ
|
+2.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 9.5% in tier |
| Loan To Share |
63.1%
+28.1% YoY+7.8% QoQ
|
+2.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$4,381
+1.7% YoY-0.6% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
82
Net Worth Ratio
risk
Value:
36.78%
Peer Median: -
#82 of 2556
Top 3.2% in <100M tier
83
Net Interest Margin (NIM)
profitability
Value:
6.19%
Peer Median: -
#83 of 2556
Top 3.2% in <100M tier
104
Loan Growth Rate
growth
Value:
18.55%
Peer Median: -
#104 of 2556
Top 4.0% in <100M tier
Top Weaknesses (13 metrics)
2472
Net Charge-Off Rate
risk
Value:
3.00%
Peer Median: -
#2472 of 2556
Bottom 3.3% in <100M tier
2468
Return on Assets (ROA)
profitability
Value:
-1.80%
Peer Median: -
#2468 of 2556
Bottom 3.5% in <100M tier
2375
Average Member Relationship (AMR)
engagement
Value:
$4,381
Peer Median: -
#2375 of 2556
Bottom 7.1% in <100M tier
2313
Total Delinquency Rate (60+ days)
risk
Value:
3.75%
Peer Median: -
#2313 of 2556
Bottom 9.5% in <100M tier
2304
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,694
Peer Median: -
#2304 of 2556
Bottom 9.9% in <100M tier
2295
Asset Growth Rate
growth
Value:
-6.34%
Peer Median: -
#2295 of 2556
Bottom 10.3% in <100M tier
2268
Deposit Growth Rate
growth
Value:
-7.44%
Peer Median: -
#2268 of 2556
Bottom 11.3% in <100M tier
2257
Total Deposits
balance_sheet
Value:
$2.06M
Peer Median: -
#2257 of 2556
Bottom 11.7% in <100M tier
2216
Total Loans
balance_sheet
Value:
$1.30M
Peer Median: -
#2216 of 2556
Bottom 13.3% in <100M tier
2202
Total Assets
balance_sheet
Value:
$3.28M
Peer Median: -
#2202 of 2556
Bottom 13.9% in <100M tier