BlastPoint's Credit Union Scorecard
INTERCORP
Charter #67651 · TX
2596 CUs in <100M nationally
245 in TX
INTERCORP has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.47% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.15% below tier average
- - Efficiency ratio 20.38% above tier (higher cost structure)
- - Delinquency rate 3.44% above tier average
- - Member decline: -2.2% YoY
- - Share Certificate Concentration (%): Bottom 5.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
620
-2.2% YoY-1.0% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$4.3M
+0.4% YoY+0.2% QoQ
|
$-25.6M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$2.6M
-11.0% YoY+5.3% QoQ
|
$-13.2M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$3.4M
+1.0% YoY+0.3% QoQ
|
$-22.0M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
18% |
| ROA |
-0.5%
-442.2% YoY-7.0% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.1% in tier |
| NIM |
5.4%
-8.9% YoY+2.9% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 8.3% in tier |
| Efficiency Ratio |
101.8%
+9.0% YoY-0.5% QoQ
|
+20.4% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 9.9% in tier |
| Delinquency Rate |
5.0%
+121.0% YoY+41.6% QoQ
|
+3.4 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 6.2% in tier |
| Loan To Share |
74.5%
-11.9% YoY+5.0% QoQ
|
+13.3% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$9,701
-2.4% YoY+3.4% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
43.8%
+1.1% YoY-2.0% QoQ
|
+19.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% 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 (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
216
Net Interest Margin (NIM)
profitability
Value:
5.41%
Peer Avg: 3.93%
#216 of 2596
Top 8.3% in <100M tier
Top Weaknesses (9 metrics)
2456
Share Certificate Concentration (%)
balance_sheet
Value:
43.78%
Peer Avg: 15.37%
#2456 of 2596
Bottom 5.4% in <100M tier
2435
Total Delinquency Rate (60+ days)
risk
Value:
4.95%
Peer Avg: 1.51%
#2435 of 2596
Bottom 6.2% in <100M tier
2360
Return on Assets (ROA)
profitability
Value:
-0.47%
Peer Avg: 0.68%
#2360 of 2596
Bottom 9.1% in <100M tier
2341
Efficiency Ratio
profitability
Value:
101.78%
Peer Avg: 81.39%
#2341 of 2596
Bottom 9.9% in <100M tier
2154
Total Assets
balance_sheet
Value:
$4.28M
Peer Avg: $29.86M
#2154 of 2596
Bottom 17.1% in <100M tier
2151
Total Members
engagement
Value:
620
Peer Avg: 2,626
#2151 of 2596
Bottom 17.2% in <100M tier
2139
Total Deposits
balance_sheet
Value:
$3.45M
Peer Avg: $25.45M
#2139 of 2596
Bottom 17.6% in <100M tier
2113
Loan Growth Rate
growth
Value:
-11.01%
Peer Avg: 59.01%
#2113 of 2596
Bottom 18.6% in <100M tier
2049
Total Loans
balance_sheet
Value:
$2.57M
Peer Avg: $15.77M
#2049 of 2596
Bottom 21.1% in <100M tier