BlastPoint's Credit Union Scorecard
INTERCORP
Charter #67651 · TX
INTERCORP has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 1.63% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 1.91% above tier average
- - Member decline: -3.2% YoY
- - Share Certificate Concentration (%): Bottom 5.0% in tier
- - Net Charge-Off Rate: Bottom 6.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
609
-3.2% YoY-1.9% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$4.2M
-3.4% YoY-0.4% QoQ
|
$-26.0M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$2.4M
-2.6% YoY-0.1% QoQ
|
$-12.9M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$3.4M
-3.2% YoY-0.4% QoQ
|
$-22.4M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
17% |
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| ROA |
0.5%
+142.6% YoY-164.3% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
47% |
| NIM |
5.6%
+0.5% YoY+4.3% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 5.6% in tier |
| Efficiency Ratio |
83.3%
-15.1% YoY-18.4% QoQ
|
-7.3% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
54% |
| Delinquency Rate |
3.4%
-1.4% YoY-29.0% QoQ
|
+1.9 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.5% in tier |
| Loan To Share |
70.0%
+0.6% YoY+0.3% QoQ
|
+11.5% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
67% |
| AMR |
$9,559
+0.2% YoY+1.7% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
46.1%
+6.4% YoY+1.9% QoQ
|
+21.8% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 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)