BlastPoint's Credit Union Scorecard
LCRA
Charter #67537 · TX
LCRA has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.44% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 6.82% above tier (higher cost structure)
- - Member decline: -3.1% YoY
- - Indirect Auto Concentration (%): Bottom 0.8% in tier
- - Loan Growth Rate: Bottom 2.2% in tier
- - AMR Growth Rate: Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,103
-3.1% YoY-0.9% QoQ
|
-522 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
53% |
| Assets |
$20.8M
+0.3% YoY+1.8% QoQ
|
$-9.1M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
49% |
| Loans |
$8.8M
-31.0% YoY-8.7% QoQ
|
$-7.0M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
47% |
| Deposits |
$17.4M
-0.4% YoY+1.6% QoQ
|
$-8.1M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
49% |
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| ROA |
0.2%
-69.4% YoY-12.5% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
4.4%
-2.6% YoY-1.4% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
69% |
| Efficiency Ratio |
88.2%
-0.2% YoY+1.0% QoQ
|
+6.8% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.9%
-37.1% YoY+0.5% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
50.5%
-30.7% YoY-10.2% QoQ
|
-10.7% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$12,432
-10.5% YoY-1.2% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
42% |
| CD Concentration |
4.1%
-9.3% YoY-0.1% QoQ
|
-20.3% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
63.2%
-6.7% YoY-3.9% QoQ
|
+49.2% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)