BlastPoint's Credit Union Scorecard
LCRA
Charter #67537 · TX
LCRA has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.34% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.15% below tier average
- - Member decline: -3.4% YoY
- - Indirect Auto Concentration (%): Bottom 1.4% in tier
- - Loan Growth Rate: Bottom 3.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -0.6% year over year ($17.0M in shares and deposits).
- Membership: 2,051 members, -3.4% vs a year ago.
- Delinquency rate 0.41%.
- Return on assets 0.34%.
- Efficiency ratio 86.78% vs a 88.77% peer average.
- Loan-to-share ratio 40.38% vs a 58.89% 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 |
2,051
-3.4% YoY-3.0% QoQ
|
-534 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
53% |
| Assets |
$20.2M
-0.8% YoY-2.2% QoQ
|
$-10.0M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$6.9M
-28.6% YoY-6.5% QoQ
|
$-8.6M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$17.0M
-0.6% YoY-2.5% QoQ
|
$-8.8M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
48% |
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| ROA |
0.3%
+94.0% YoY+47.4% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
4.2%
-4.3% YoY+3.9% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
67% |
| Efficiency Ratio |
86.8%
-0.6% YoY+3.7% QoQ
|
-2.0% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
65% |
| Delinquency Rate |
0.4%
-54.0% YoY-82.0% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
37% |
| Loan To Share |
40.4%
-28.2% YoY-4.0% QoQ
|
-18.5% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$11,631
-7.5% YoY-0.7% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
37% |
| CD Concentration |
4.4%
+6.4% YoY+2.6% QoQ
|
-20.2% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
49.9%
-24.0% YoY-8.0% QoQ
|
+36.3% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)