BlastPoint's Credit Union Scorecard
INTERCORP
Charter #67651 · TX
INTERCORP has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.45% 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 1.46% below tier average
- - Efficiency ratio 19.56% above tier (higher cost structure)
- - Delinquency rate 3.26% above tier average
- - Share Certificate Concentration (%): Bottom 5.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
621
-0.5% YoY+0.2% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$4.2M
-1.1% YoY-0.8% QoQ
|
$-25.9M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$2.4M
-11.5% YoY-6.6% QoQ
|
$-13.4M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$3.4M
-0.3% YoY-0.2% QoQ
|
$-22.2M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
-0.8%
-754.5% YoY+78.0% QoQ
|
-1.5% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.6% in tier |
| NIM |
5.4%
-9.2% YoY+0.0% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 8.1% in tier |
| Efficiency Ratio |
102.1%
+9.8% YoY+0.3% QoQ
|
+19.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 9.7% in tier |
| Delinquency Rate |
4.8%
+347.7% YoY-2.8% QoQ
|
+3.3 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 6.5% in tier |
| Loan To Share |
69.8%
-11.2% YoY-6.4% QoQ
|
+9.1% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$9,401
-4.8% YoY-3.1% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
45.2%
+2.2% YoY+3.3% QoQ
|
+20.8% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)