BlastPoint's Credit Union Scorecard
FORT WORTH CITY
Charter #67532 · TX
FORT WORTH CITY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 33.8% in tier
- + Organic Growth Leader: Top 46.6% in tier
- + Relationship Depth Leader: Top 52.8% in tier
- + ROA 0.25% above tier average
- + Total Delinquency Rate (60+ days): Top 1.4% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 6.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,107
+2.8% YoY+0.3% QoQ
|
+669 |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$324.7M
+7.1% YoY+1.5% QoQ
|
+$92.8M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$183.1M
+9.2% YoY+2.4% QoQ
|
+$35.8M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$283.0M
+6.8% YoY+1.5% QoQ
|
+$82.2M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
1.0%
+44.9% YoY-26.3% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
2.5%
+12.6% YoY-12.3% QoQ
|
-1.1% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.3% in tier |
| Efficiency Ratio |
69.8%
-7.3% YoY+11.2% QoQ
|
-7.2% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.0%
-64.5% YoY-58.1% QoQ
|
-0.9 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 1.4% in tier |
| Loan To Share |
64.7%
+2.3% YoY+0.8% QoQ
|
-7.5% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$28,939
+4.8% YoY+1.6% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
16.9%
+2.3% YoY-1.8% QoQ
|
-7.5% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
2.8%
-24.4% YoY-9.5% QoQ
|
-11.0% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)