BlastPoint's Credit Union Scorecard

TEMPLE SANTA FE COMMUNITY

Charter #67573 · TX

<100M

2508 CUs in <100M nationally 237 in TX

TEMPLE SANTA FE COMMUNITY has 2 strengths but faces 2 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

+ Asset Growth Rate: Top 4.1% in tier
+ Deposit Growth Rate: Top 4.9% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 4.84% above tier (higher cost structure)
- Net Worth Ratio: Bottom 6.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	1,672 -0.7% YoY-0.8% QoQ	-1.0K	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	44%
Assets	$24.7M +12.7% YoY+2.6% QoQ	$-5.4M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	53%
Loans	$13.8M +0.5% YoY-4.4% QoQ	$-1.5M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	60%
Deposits	$22.6M +12.9% YoY+2.8% QoQ	$-3.2M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	56%

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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% -75.4% YoY-71.9% QoQ	+0.0%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	29%
NIM	3.6% -18.4% YoY-8.9% QoQ	-0.4%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	42%
Efficiency Ratio	95.5% +12.2% YoY+10.6% QoQ	+4.8%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	79%
Delinquency Rate	0.1% +29.5% YoY-26.1% QoQ	-1.4	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	24%
Loan To Share	61.1% -11.0% YoY-6.9% QoQ	+2.6%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	54%
AMR	$21,798 +8.6% YoY+0.8% QoQ	+$7K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	84%
CD Concentration	20.1% +228.7% YoY+13.8% QoQ	-4.1%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	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 (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

105

Asset Growth Rate

growth

Value: 12.67%

Peer Median: 1.30%

#105 of 2508 Top 4.1% in <100M tier

125

Deposit Growth Rate

growth

Value: 12.95%

Peer Median: 0.66%

#125 of 2508 Top 4.9% in <100M tier

320

AMR Growth Rate

growth

Value: 8.59%

Peer Median: 1.27%

#320 of 2508 Top 12.7% in <100M tier

400

Loan-to-Member Ratio (LMR)

engagement

Value: $8,265

Peer Median: $4,923

#400 of 2508 Top 15.9% in <100M tier

406

Average Member Relationship (AMR)

engagement

Value: $21,798

Peer Median: $13,926

#406 of 2508 Top 16.1% in <100M tier

614

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: 0.65%

#614 of 2508 Top 24.4% in <100M tier

Top Weaknesses (3 metrics)

2350

Net Worth Ratio

risk

Value: 8.34%

Peer Median: 14.28%

#2350 of 2508 Bottom 6.3% in <100M tier

1982

First Mortgage Concentration (%)

balance_sheet

Value: 29.57%

Peer Median: 3.66%

#1982 of 2508 Bottom 21.0% in <100M tier

1976

Efficiency Ratio

profitability

Value: 95.47%

Peer Median: 81.45%

#1976 of 2508 Bottom 21.3% in <100M tier