BlastPoint's Credit Union Scorecard
WEST TEXAS
Charter #67592 · TX
WEST TEXAS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.23% above tier average
- + Fee Income Per Member: Top 6.7% in tier
- + Member Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.38% below tier average
- - Efficiency ratio 6.87% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 4.8% 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 +7.7% year over year ($63.1M in shares and deposits).
- Membership: 5,129 members, +4.0% vs a year ago.
- Delinquency rate 1.07%.
- Return on assets 0.11%.
- Efficiency ratio 95.63% vs a 88.77% peer average.
- Loan-to-share ratio 60.25% 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 |
5,129
+4.0% YoY-0.1% QoQ
|
+2.5K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 12.5% in tier |
| Assets |
$70.3M
+6.9% YoY+0.1% QoQ
|
+$40.0M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 12.4% in tier |
| Loans |
$38.0M
-2.9% YoY-0.5% QoQ
|
+$22.6M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 11.5% in tier |
| Deposits |
$63.1M
+7.7% YoY+0.1% QoQ
|
+$37.3M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Top 10.6% in tier |
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| ROA |
0.1%
-61.7% YoY+13.8% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.9% in tier |
| NIM |
4.1%
-5.4% YoY+0.7% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
95.6%
+2.1% YoY-2.8% QoQ
|
+6.9% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
1.1%
+55.3% YoY+39.3% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
60.2%
-9.8% YoY-0.5% QoQ
|
+1.4% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$19,713
-0.5% YoY-0.0% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
77% |
| CD Concentration |
13.0%
+111.1% YoY+6.5% QoQ
|
-11.5% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
22.6%
+47.1% YoY+7.7% QoQ
|
+9.0% | 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)