BlastPoint's Credit Union Scorecard
DEL RIO S.P.
Charter #67531 · TX
<100M
2508 CUs in <100M nationally
237 in TX
DEL RIO S.P. has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.06% above tier average
- + Net Interest Margin 1.45% above tier average
- + Net Worth Ratio: Top 3.3% in tier
- + Loan Growth Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 14.28% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 1.0% in tier
- - Average Member Relationship (AMR): Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
761
-1.3% YoY-0.9% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$3.3M
-3.5% YoY+1.6% QoQ
|
$-26.9M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.0% in tier |
| Loans |
$1.4M
+18.2% YoY+7.7% QoQ
|
$-13.9M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.1% in tier |
| Deposits |
$2.1M
-2.7% YoY+2.4% QoQ
|
$-23.7M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.6% in tier |
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| ROA |
0.2%
-65.9% YoY-111.3% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
30% |
| NIM |
5.5%
-13.5% YoY-11.8% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 6.6% in tier |
| Efficiency Ratio |
104.9%
+15.5% YoY+9.5% QoQ
|
+14.3% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.6% in tier |
| Delinquency Rate |
0.8%
-78.1% YoY-79.3% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
56% |
| Loan To Share |
66.3%
+21.5% YoY+5.1% QoQ
|
+7.8% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$4,618
+6.0% YoY+5.4% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.9% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
83
Net Worth Ratio
risk
Value:
36.23%
Peer Median: 14.28%
#83 of 2508
Top 3.3% in <100M tier
106
Loan Growth Rate
growth
Value:
18.23%
Peer Median: -2.36%
#106 of 2508
Top 4.2% in <100M tier
166
Net Interest Margin (NIM)
profitability
Value:
5.46%
Peer Median: 3.83%
#166 of 2508
Top 6.6% in <100M tier
526
AMR Growth Rate
growth
Value:
6.04%
Peer Median: 1.27%
#526 of 2508
Top 20.9% in <100M tier
Top Weaknesses (10 metrics)
2484
Net Charge-Off Rate
risk
Value:
10.76%
Peer Median: 0.07%
#2484 of 2508
Bottom 1.0% in <100M tier
2310
Average Member Relationship (AMR)
engagement
Value:
$4,618
Peer Median: $13,926
#2310 of 2508
Bottom 7.9% in <100M tier
2216
Total Deposits
balance_sheet
Value:
$2.11M
Peer Median: $18.77M
#2216 of 2508
Bottom 11.7% in <100M tier
2215
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,841
Peer Median: $4,923
#2215 of 2508
Bottom 11.7% in <100M tier
2193
Efficiency Ratio
profitability
Value:
104.91%
Peer Median: 81.45%
#2193 of 2508
Bottom 12.6% in <100M tier
2158
Total Assets
balance_sheet
Value:
$3.33M
Peer Median: $21.86M
#2158 of 2508
Bottom 14.0% in <100M tier
2154
Total Loans
balance_sheet
Value:
$1.40M
Peer Median: $9.48M
#2154 of 2508
Bottom 14.2% in <100M tier
2001
Asset Growth Rate
growth
Value:
-3.47%
Peer Median: 1.30%
#2001 of 2508
Bottom 20.3% in <100M tier
1964
Total Members
engagement
Value:
761
Peer Median: 1,918
#1964 of 2508
Bottom 21.7% in <100M tier
1933
Fee Income Per Member
profitability
Value:
$13.57
Peer Median: $60.42
#1933 of 2508
Bottom 23.0% in <100M tier