BlastPoint's Credit Union Scorecard
SCHLUMBERGER EMPLOYEES
Charter #67625 · TX
SCHLUMBERGER EMPLOYEES has 5 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.91% above tier average
- + Efficiency Ratio: Top 0.9% in tier
- + Net Worth Ratio: Top 0.9% in tier
- + Members Per Employee (MPE): Top 0.9% in tier
- + Share Certificate Concentration (%): Top 1.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.8% in tier
- - Institutional Decline: Bottom 1.9% in tier
- - Credit Quality Pressure: Bottom 32.4% in tier
- - Stagnation Risk: Bottom 64.5% in tier
- - Membership Headwinds: Bottom 64.5% 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
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,138
-1.1% YoY+1.0% QoQ
|
-23.4K |
51,500
+0.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 6.0% in tier |
| Assets |
$933.7M
+2.7% YoY+4.3% QoQ
|
+$68.1M |
$865.6M
+0.9% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$257.1M
-5.0% YoY-2.8% QoQ
|
$-338.2M |
$595.3M
+1.6% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.1% in tier |
| Deposits |
$700.8M
+1.0% YoY+5.1% QoQ
|
$-41.3M |
$742.2M
+0.6% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
32% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.7%
+5.0% YoY-1.5% QoQ
|
+0.9% |
0.8%
+45.0% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 6.8% in tier |
| NIM |
2.6%
+5.9% YoY+0.1% QoQ
|
-0.9% |
3.5%
+6.1% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.0% in tier |
| Efficiency Ratio |
44.1%
-4.8% YoY-0.1% QoQ
|
-31.4% |
75.5%
-3.4% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Top 0.9% in tier |
| Delinquency Rate |
0.5%
+39.9% YoY-37.1% QoQ
|
-0.2 |
0.7%
-0.1% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
39% |
| Loan To Share |
36.7%
-6.0% YoY-7.6% QoQ
|
-43.9% |
80.6%
+0.7% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.1% in tier |
| AMR |
$34,043
+0.4% YoY+1.8% QoQ
|
+$5K |
$28,908
+0.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
77% |
| CD Concentration |
9.6%
+4.2% YoY-7.0% QoQ
|
-14.7% | 24.3% | 21.3% | 19.8% | Bottom 7.5% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)