BlastPoint's Credit Union Scorecard
TRAVIS COUNTY
Charter #67604 · TX
TRAVIS COUNTY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.26% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.04% below tier average
- - Efficiency ratio 1.45% above tier (higher cost structure)
- - Delinquency rate 0.69% above tier average
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 +0.4% year over year ($38.4M in shares and deposits).
- Membership: 3,419 members, +2.9% vs a year ago.
- Delinquency rate 2.24%.
- Return on assets 0.46%.
- Efficiency ratio 90.21% vs a 88.77% peer average.
- Loan-to-share ratio 61.50% 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 |
3,419
+2.9% YoY+0.6% QoQ
|
+833 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
73% |
| Assets |
$42.7M
+0.6% YoY+0.3% QoQ
|
+$12.4M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
71% |
| Loans |
$23.6M
-4.2% YoY-2.2% QoQ
|
+$8.1M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
76% |
| Deposits |
$38.4M
+0.4% YoY+0.3% QoQ
|
+$12.6M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
0.5%
-30.0% YoY+7.8% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
4.2%
-2.2% YoY+0.2% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
63% |
| Efficiency Ratio |
90.2%
+16.9% YoY-0.8% QoQ
|
+1.4% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
2.2%
+167.2% YoY+1438.3% QoQ
|
+0.7 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
61.5%
-4.6% YoY-2.5% QoQ
|
+2.6% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$18,124
-4.2% YoY-1.2% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
11.0%
+8.2% YoY-5.7% QoQ
|
-13.5% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)