BlastPoint's Credit Union Scorecard
DATCU
Charter #67535 · TX
DATCU has 9 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 36.8% in tier
- + Organic Growth Engine: Top 54.1% in tier
- + ROA 0.83% above tier average
- + Net Interest Margin 0.66% above tier average
- + Efficiency Ratio: Top 2.6% in tier
- + Net Worth Ratio: Top 4.0% in tier
- + Total Delinquency Rate (60+ days): Top 4.3% in tier
- + Members Per Employee (MPE): Top 6.0% in tier
- + Loan-to-Share Ratio: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 7.2% in tier
- - Liquidity Strain: Bottom 26.7% in tier
- - Credit Quality Pressure: Bottom 93.8% in tier
- - Credit Risk Growth: Bottom 95.1% in tier
- - Liquidity Overhang: Bottom 100.0% in tier
- - Indirect Auto Concentration (%): Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
111,860
+2.0% YoY+0.8% QoQ
|
+14.4K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$1.7B
+7.5% YoY+0.6% QoQ
|
+$24.9M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$1.5B
+4.1% YoY+2.5% QoQ
|
+$253.1M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$1.4B
+7.1% YoY+0.2% QoQ
|
$-20.0M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
1.5%
+15.3% YoY-0.1% QoQ
|
+0.8% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 4.6% in tier |
| NIM |
3.9%
+4.5% YoY+1.5% QoQ
|
+0.7% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 12.6% in tier |
| Efficiency Ratio |
56.7%
+0.0% YoY-1.9% QoQ
|
-17.4% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate |
0.2%
+16.0% YoY+69.4% QoQ
|
-0.7 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 4.3% in tier |
| Loan To Share |
103.3%
-2.8% YoY+2.4% QoQ
|
+18.6% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 7.0% in tier |
| AMR |
$26,165
+3.5% YoY+0.6% QoQ
|
$-3K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
27.8%
+12.3% YoY-2.6% QoQ
|
-1.3% | 29.0% | 21.2% | 19.8% | 46% |
| Indirect Auto % |
51.1%
-1.1% YoY+0.1% QoQ
|
+32.8% | 18.3% | 7.1% | 7.8% | Top 3.2% in tier |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)