BlastPoint's Credit Union Scorecard
AMERICAN BAPTIST ASSOCIATION
Charter #67622 · TX
2596 CUs in <100M nationally
245 in TX
AMERICAN BAPTIST ASSOCIATION has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.7% in tier
- + Asset Growth Rate: Top 2.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.21% below tier average
- - Efficiency ratio 34.38% above tier (higher cost structure)
- - Member decline: -2.0% YoY
- - Loan Growth Rate: Bottom 8.8% in tier
- - Total Assets: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
390
-2.0% YoY-0.3% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 10.8% in tier |
| Assets |
$1.8M
+19.3% YoY-1.7% QoQ
|
$-28.1M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.8% in tier |
| Loans |
$985,636
-17.0% YoY-2.4% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.5% in tier |
| Deposits |
$1.6M
+22.4% YoY-1.7% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.4% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.5%
-163.6% YoY+3.4% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.6% in tier |
| NIM |
3.3%
-38.0% YoY-3.5% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
27% |
| Efficiency Ratio |
115.8%
+34.5% YoY-0.1% QoQ
|
+34.4% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 5.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
61.8%
-32.2% YoY-0.7% QoQ
|
+0.5% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
51% |
| AMR |
$6,618
+5.7% YoY-1.7% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.7% in tier |
| CD Concentration |
34.5%
+1.7% QoQ
|
+10.1% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
44
Deposit Growth Rate
growth
Value:
22.37%
Peer Avg: -
#44 of 2596
Top 1.7% in <100M tier
52
Asset Growth Rate
growth
Value:
19.30%
Peer Avg: -
#52 of 2596
Top 2.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
590
AMR Growth Rate
growth
Value:
5.70%
Peer Avg: -
#590 of 2596
Top 22.7% in <100M tier
Top Weaknesses (13 metrics)
2468
Efficiency Ratio
profitability
Value:
115.77%
Peer Avg: -
#2468 of 2596
Bottom 5.0% in <100M tier
2374
Return on Assets (ROA)
profitability
Value:
-0.53%
Peer Avg: -
#2374 of 2596
Bottom 8.6% in <100M tier
2368
Loan Growth Rate
growth
Value:
-17.05%
Peer Avg: -
#2368 of 2596
Bottom 8.8% in <100M tier
2367
Total Assets
balance_sheet
Value:
$1.76M
Peer Avg: -
#2367 of 2596
Bottom 8.9% in <100M tier
2327
Total Deposits
balance_sheet
Value:
$1.60M
Peer Avg: -
#2327 of 2596
Bottom 10.4% in <100M tier
2316
Total Members
engagement
Value:
390
Peer Avg: -
#2316 of 2596
Bottom 10.8% in <100M tier
2297
Total Loans
balance_sheet
Value:
$985,636
Peer Avg: -
#2297 of 2596
Bottom 11.6% in <100M tier
2281
Share Certificate Concentration (%)
balance_sheet
Value:
34.54%
Peer Avg: -
#2281 of 2596
Bottom 12.2% in <100M tier
2255
Net Worth Ratio
risk
Value:
9.53%
Peer Avg: -
#2255 of 2596
Bottom 13.2% in <100M tier
2241
Average Member Relationship (AMR)
engagement
Value:
$6,618
Peer Avg: -
#2241 of 2596
Bottom 13.7% in <100M tier