BlastPoint's Credit Union Scorecard
SCHLUMBERGER EMPLOYEES
Charter #67625 · TX
SCHLUMBERGER EMPLOYEES has 6 strengths but faces 12 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.96% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.9% in tier
- + Net Worth Ratio: Top 0.9% in tier
- + Members Per Employee (MPE): Top 1.7% in tier
- + Share Certificate Concentration (%): Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 3.0% in tier
- - Flatlined Growth: Bottom 20.0% in tier
- - Institutional Decline: Bottom 44.4% in tier
- - Stagnation Risk: Bottom 46.5% in tier
- - Credit Quality Pressure: Bottom 66.5% in tier
- - Membership Headwinds: Bottom 70.0% in tier
- - Total Loans: Bottom 0.9% in tier
- - Loan-to-Share Ratio: Bottom 0.9% in tier
- - First Mortgage Concentration (%): Bottom 2.6% in tier
- - Total Members: Bottom 6.8% in tier
- - Loan Growth Rate: Bottom 8.5% in tier
- - Deposit Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,851
-1.7% YoY-1.1% QoQ
|
-24.2K |
52,084
-1.6% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 6.0% in tier |
| Assets |
$895.6M
+1.9% YoY-0.1% QoQ
|
+$31.7M |
$863.9M
+0.5% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$264.6M
-3.8% YoY-1.4% QoQ
|
$-341.2M |
$605.8M
+1.4% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.0% in tier |
| Deposits |
$666.8M
-0.1% YoY-0.8% QoQ
|
$-70.5M |
$737.3M
+0.1% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
15% |
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| ROA |
1.7%
+5.3% YoY+0.7% QoQ
|
+1.0% |
0.7%
+39.1% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 3.4% in tier |
| NIM |
2.6%
+8.9% YoY+1.6% QoQ
|
-0.8% |
3.4%
+8.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.1% in tier |
| Efficiency Ratio |
44.1%
+0.2% YoY+0.1% QoQ
|
-30.2% |
74.3%
-3.6% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate |
0.8%
+18.8% YoY+87.4% QoQ
|
-0.1 |
0.9%
+3.8% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
39.7%
-3.7% YoY-0.6% QoQ
|
-42.9% |
82.6%
+1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.0% in tier |
| AMR |
$33,441
+0.5% YoY+0.2% QoQ
|
+$5K |
$28,873
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
10.3%
+14.4% YoY+2.2% QoQ
|
-14.1% | 24.4% | 21.2% | 19.8% | Bottom 9.1% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
Concerns (6)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)