BlastPoint's Credit Union Scorecard

LCRA

Charter #67537 · TX

<100M

2508 CUs in <100M nationally 237 in TX

LCRA has 2 strengths but faces 4 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.08% above tier average
+ Net Interest Margin 0.07% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.77% above tier average
- Indirect Auto Concentration (%): Bottom 1.1% in tier
- Loan Growth Rate: Bottom 2.4% in tier
- AMR Growth Rate: Bottom 6.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	2,115 -1.2% YoY+1.4% QoQ	-561	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	54%
Assets	$20.7M -0.9% YoY-0.9% QoQ	$-9.5M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	48%
Loans	$7.3M -30.7% YoY-8.1% QoQ	$-7.9M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	44%
Deposits	$17.4M -0.8% YoY-1.0% QoQ	$-8.3M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% +57.2% YoY+9.4% QoQ	+0.1%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	31%
NIM	4.1% -1.7% YoY-4.7% QoQ	+0.1%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	62%
Efficiency Ratio	83.7% -4.5% YoY-5.6% QoQ	-6.9%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	55%
Delinquency Rate	2.3% +90.7% YoY+8.4% QoQ	+0.8	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	84%
Loan To Share	42.1% -30.2% YoY-7.2% QoQ	-16.4%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	24%
AMR	$11,714 -11.0% YoY-4.5% QoQ	$-3K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	37%
CD Concentration	4.3% +5.7% YoY+1.0% QoQ	-20.0%	24.3%	21.3%	19.8%	50%
Indirect Auto %	54.2% -19.0% YoY-5.6% QoQ	+40.4%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (1 metrics)

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (5 metrics)

2481

Indirect Auto Concentration (%)

balance_sheet

Value: 54.24%

Peer Median: 0.00%

#2481 of 2508 Bottom 1.1% in <100M tier

2448

Loan Growth Rate

growth

Value: -30.75%

Peer Median: -2.36%

#2448 of 2508 Bottom 2.4% in <100M tier

2356

AMR Growth Rate

growth

Value: -11.04%

Peer Median: 1.27%

#2356 of 2508 Bottom 6.1% in <100M tier

2098

Total Delinquency Rate (60+ days)

risk

Value: 2.27%

Peer Median: 0.65%

#2098 of 2508 Bottom 16.4% in <100M tier

1895

Loan-to-Share Ratio

balance_sheet

Value: 42.07%

Peer Median: 58.72%

#1895 of 2508 Bottom 24.5% in <100M tier