BlastPoint's Credit Union Scorecard
FORT WORTH CITY
Charter #67532 · TX
FORT WORTH CITY demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 6.0% in tier
- + Credit Quality Leader: Top 10.3% in tier
- + Organic Growth Leader: Top 12.5% in tier
- + Profitability Leader: Top 56.0% in tier
- + Relationship Depth Leader: Top 81.2% in tier
- + ROA 0.59% above tier average
- + Total Delinquency Rate (60+ days): Top 3.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,066
+3.1% YoY+1.2% QoQ
|
+437 |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
61% |
| Assets |
$320.0M
+4.3% YoY+1.6% QoQ
|
+$88.7M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$178.9M
+9.0% YoY+1.6% QoQ
|
+$31.1M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$278.8M
+3.7% YoY+1.5% QoQ
|
+$78.5M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
77% |
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| ROA |
1.4%
+36.2% YoY+2.7% QoQ
|
+0.6% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 15.0% in tier |
| NIM |
2.9%
+16.6% YoY+1.5% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
62.8%
-8.2% YoY-0.8% QoQ
|
-14.5% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.4% in tier |
| Delinquency Rate |
0.1%
-36.5% YoY-34.6% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 3.0% in tier |
| Loan To Share |
64.2%
+5.2% YoY+0.1% QoQ
|
-8.5% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$28,489
+2.5% YoY+0.3% QoQ
|
+$4K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
78% |
| CD Concentration |
17.2%
+6.9% YoY+1.9% QoQ
|
-7.2% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.1%
-2.4% YoY-8.7% QoQ
|
-10.9% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)