BlastPoint's Credit Union Scorecard

DATCU

Charter #67535 · TX

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 27 in TX

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DATCU has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 6.4% in tier
+ ROA 0.76% above tier average
+ Net Interest Margin 0.69% above tier average
+ Total Delinquency Rate (60+ days): Top 1.7% in tier
+ Efficiency Ratio: Top 2.3% in tier
+ Net Worth Ratio: Top 4.0% in tier
+ Loan-to-Share Ratio: Top 4.3% in tier
+ Members Per Employee (MPE): Top 8.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.9% in tier
- Credit Risk Growth: Bottom 39.0% in tier
- Credit Quality Pressure: Bottom 43.3% in tier
- Indirect Auto Dependency: Bottom 65.9% in tier
- Indirect Auto Concentration (%): Bottom 3.7% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
Shares and deposits +2.4% year over year ($1.47B in shares and deposits).
Membership: 113,275 members, +2.8% vs a year ago.
Delinquency rate 0.13%.
Return on assets 1.58%.
Efficiency ratio 54.10% vs a 73.02% peer average.
Loan-to-share ratio 105.48% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	113,275 +2.8% YoY+0.3% QoQ	+16.4K	96,861 -1.9% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	70%
Assets	$1.8B +3.5% YoY+0.9% QoQ	+$60.8M	$1.7B +0.4% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	61%
Loans	$1.5B +7.6% YoY+1.8% QoQ	+$312.2M	$1.2B +0.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	74%
Deposits	$1.5B +2.4% YoY+0.6% QoQ	+$2.7M	$1.5B +0.5% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	59%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.6% +7.6% YoY+7.0% QoQ	+0.8%	0.8% +27.6% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	Top 6.3% in tier
NIM	4.1% +5.8% YoY+1.8% QoQ	+0.7%	3.4% +6.6% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	Top 9.3% in tier
Efficiency Ratio	54.1% -7.6% YoY-0.4% QoQ	-18.9%	73.0% -2.7% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	Top 2.3% in tier
Delinquency Rate	0.1% +82.6% YoY-17.2% QoQ	-0.7	0.9% +7.3% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	Top 1.7% in tier
Loan To Share	105.5% +5.1% YoY+1.3% QoQ	+20.8%	84.7% +0.1% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	Top 4.7% in tier
AMR	$26,594 +2.1% YoY+0.9% QoQ	$-3K	$29,575 +1.5% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	40%
CD Concentration	26.0% -7.5% YoY-5.3% QoQ	-3.1%	29.1%	21.6%	20.0%	38%
Indirect Auto %	51.9% +1.6% YoY+0.5% QoQ	+33.8%	18.1%	6.9%	7.7%	Bottom 3.2% in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth

#19 of 82 • Top 6.4% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.58%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 2.85%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY

Concerns (4)

Liquidity Strain

risk

#23 of 168 • Bottom 5.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 105.48%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 7.65%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#63 of 193 • Bottom 65.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.53%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 51.89%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 2.85%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Credit Risk Growth

risk

#113 of 170 • Bottom 39.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.65%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Credit Quality Pressure

risk

#161 of 215 • Bottom 43.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: 0.70%

#6 of 300 Top 1.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 54.10%

Peer Median: 73.62%

#8 of 300 Top 2.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 17.19%

Peer Median: 10.91%

#13 of 300 Top 4.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 105.48%

Peer Median: 87.07%

#14 of 300 Top 4.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.58%

Peer Median: 0.77%

#19 of 300 Top 6.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 477.954

Peer Median: 346.173

#26 of 300 Top 8.3% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.11%

Peer Median: 3.46%

#28 of 300 Top 9.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 20.38%

Peer Median: 33.59%

#56 of 300 Top 18.3% in 1B-3B tier

Top Weaknesses (2 metrics)

290

Indirect Auto Concentration (%)

balance_sheet

Value: 51.89%

Peer Median: 14.26%

#290 of 300 Bottom 3.7% in 1B-3B tier

243

Fee Income Per Member

profitability

Value: $153.70

Peer Median: $204.73

#243 of 300 Bottom 19.3% in 1B-3B tier