BlastPoint's Credit Union Scorecard
DATCU
Charter #67535 · TX
DATCU has 10 strengths but faces 4 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
- + Credit Quality Leader: Top 6.4% in tier
- + Organic Growth Engine: Top 13.0% in tier
- + Emerging Performer: Top 18.3% in tier
- + Profitability Leader: Top 22.3% in tier
- + ROA 0.82% above tier average
- + Net Interest Margin 0.62% above tier average
- + Total Delinquency Rate (60+ days): Top 2.0% in tier
- + Efficiency Ratio: Top 3.6% in tier
- + Net Worth Ratio: Top 4.3% in tier
- + Members Per Employee (MPE): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.0% in tier
- - Liquidity Strain: Bottom 7.4% in tier
- - Liquidity Overhang: Bottom 100.0% in tier
- - Indirect Auto Concentration (%): Bottom 4.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
111,016
+3.2% YoY+0.8% QoQ
|
+12.3K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
67% |
| Assets |
$1.7B
+7.7% YoY+0.8% QoQ
|
+$18.7M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
60% |
| Loans |
$1.5B
+9.1% YoY+1.0% QoQ
|
+$217.8M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$1.4B
+7.4% YoY+0.4% QoQ
|
$-17.3M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
1.5%
+6.5% YoY+3.9% QoQ
|
+0.8% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 6.2% in tier |
| NIM |
3.9%
+4.8% YoY-0.2% QoQ
|
+0.6% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 14.8% in tier |
| Efficiency Ratio |
57.7%
+1.7% YoY-1.4% QoQ
|
-16.2% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.6% in tier |
| Delinquency Rate |
0.1%
-39.4% YoY+37.0% QoQ
|
-0.7 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 2.0% in tier |
| Loan To Share |
101.0%
+1.5% YoY+0.6% QoQ
|
+15.8% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 13.8% in tier |
| AMR |
$26,013
+4.9% YoY-0.1% QoQ
|
$-3K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
41% |
| CD Concentration |
28.5%
+19.7% YoY+1.5% QoQ
|
-0.5% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
51.0%
-9.8% YoY-0.1% QoQ
|
+32.2% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Top 3.9% in tier |
Signature Analysis
Strengths (4)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
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.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)