BlastPoint's Credit Union Scorecard
BEAUMONT COMMUNITY
Charter #67574 · TX
BEAUMONT COMMUNITY has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 3.5% in tier
- + Fee Income Per Member: Top 8.1% in tier
- + Deposit Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 6.48% above tier (higher cost structure)
- - Member decline: -10.6% YoY
- - Member Growth Rate: Bottom 5.4% in tier
- - Net Interest Margin (NIM): Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,407
-10.6% YoY-0.5% QoQ
|
+730 |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
73% |
| Assets |
$36.0M
+8.4% YoY+4.5% QoQ
|
+$5.9M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
65% |
| Loans |
$11.9M
-4.9% YoY-2.9% QoQ
|
$-3.4M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$30.9M
+9.8% YoY+6.2% QoQ
|
+$5.2M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
66% |
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| ROA |
0.1%
+18.5% YoY-84.4% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
2.4%
-28.3% YoY-19.1% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.8% in tier |
| Efficiency Ratio |
97.1%
+17.1% YoY+15.5% QoQ
|
+6.5% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
81% |
| Delinquency Rate |
0.2%
+168.9% YoY-47.3% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
29% |
| Loan To Share |
38.5%
-13.4% YoY-8.6% QoQ
|
-20.0% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$12,577
+17.7% YoY+4.1% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
42% |
| CD Concentration |
32.1%
+46.9% YoY-3.6% QoQ
|
+7.9% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % |
1.2%
+91.5% YoY-2.8% QoQ
|
-12.6% | 13.8% | 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)