BlastPoint's Credit Union Scorecard

SOUTHWEST 66

Charter #67550 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

SOUTHWEST 66 has 2 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.36% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.14% below tier average
- Efficiency ratio 6.30% above tier (higher cost structure)
- Delinquency rate 0.10% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	9,526 -0.7% YoY+0.2% QoQ	-5.6K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	29%
Assets	$114.4M +5.6% YoY+1.9% QoQ	$-117.3M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Bottom 10.0% in tier
Loans	$76.2M +7.5% YoY-1.9% QoQ	$-67.9M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	22%
Deposits	$102.1M +6.0% YoY+1.9% QoQ	$-99.0M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Bottom 12.2% in tier

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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	0.6% +63.4% YoY+111.7% QoQ	-0.1%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	41%
NIM	4.0% +0.8% YoY+0.4% QoQ	+0.4%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	73%
Efficiency Ratio	84.3% -5.8% YoY-2.4% QoQ	+6.3%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	0.9% +40.6% YoY+24.5% QoQ	+0.1	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	70%
Loan To Share	74.7% +1.4% YoY-3.8% QoQ	+4.2%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	55%
AMR	$18,722 +7.4% YoY+0.1% QoQ	$-6K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	25%
CD Concentration	31.6% +17.2% YoY+7.0% QoQ	+7.3%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#242 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.42%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#145 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 7.49%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.25% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#280 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.25% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#243 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.32%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.23% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -0.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Stagnation Risk

risk

#511 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 7.49%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.88%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#535 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.73%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | 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 1070 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

190

AMR Growth Rate

growth

Value: 7.42%

Peer Median: 3.46%

#190 of 1070 Top 17.7% in 100M-500M tier

Top Weaknesses (5 metrics)

963

Total Assets

balance_sheet

Value: $114.42M

Peer Median: $196.57M

#963 of 1070 Bottom 10.1% in 100M-500M tier

962

Members Per Employee (MPE)

engagement

Value: 226.810

Peer Median: 309.176

#962 of 1070 Bottom 10.2% in 100M-500M tier

939

Total Deposits

balance_sheet

Value: $102.12M

Peer Median: $171.29M

#939 of 1070 Bottom 12.3% in 100M-500M tier

838

Total Loans

balance_sheet

Value: $76.23M

Peer Median: $121.41M

#838 of 1070 Bottom 21.8% in 100M-500M tier

820

Share Certificate Concentration (%)

balance_sheet

Value: 31.55%

Peer Median: 23.10%

#820 of 1070 Bottom 23.5% in 100M-500M tier