BlastPoint's Credit Union Scorecard
FIRST BASIN
Charter #67609 · TX
FIRST BASIN has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Strong member growth: 5.5% YoY
- + Share Certificate Concentration (%): Top 4.3% in tier
- + Total Members: Top 5.9% in tier
- + Member Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 8.31% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 1.0% in tier
- - Loan Growth Rate: Bottom 1.2% in tier
- - Average Member Relationship (AMR): Bottom 6.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.5% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
- Shares and deposits -0.4% year over year ($278M in shares and deposits).
- Membership: 31,008 members, +5.5% vs a year ago.
- Delinquency rate 0.29%.
- Return on assets 0.60%.
- Efficiency ratio 85.05% vs a 76.73% peer average.
- Loan-to-share ratio 56.99% vs a 71.54% 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 |
31,008
+5.5% YoY+3.1% QoQ
|
+15.8K |
15,168
-2.6% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 6.0% in tier |
| Assets |
$343.2M
-2.3% YoY+0.9% QoQ
|
+$111.2M |
$232.0M
+0.7% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$158.7M
-13.0% YoY-0.7% QoQ
|
+$12.4M |
$146.3M
+0.2% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$278.5M
-0.4% YoY-1.8% QoQ
|
+$77.8M |
$200.7M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
0.6%
-4.0% YoY+18.8% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
3.5%
+1.2% YoY+1.1% QoQ
|
-0.2% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
85.0%
-0.1% YoY-1.9% QoQ
|
+8.3% |
76.7%
-0.8% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate |
0.3%
-57.7% YoY-0.8% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
18% |
| Loan To Share |
57.0%
-12.6% YoY+1.1% QoQ
|
-14.6% |
71.5%
-0.3% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$14,099
-10.3% YoY-4.3% QoQ
|
$-11K |
$25,107
+3.2% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.0% in tier |
| CD Concentration |
4.4%
-11.0% YoY-0.3% QoQ
|
-20.2% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
13.3%
-39.3% YoY-15.7% QoQ
|
-0.3% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)