BlastPoint's Credit Union Scorecard
CITY
Charter #67669 · TX
CITY has 2 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 0.28% above tier average
- + Fee Income Per Member: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 14.4% in tier
- - Accelerating Exit Risk: Bottom 83.6% in tier
- - Stagnation Risk: Bottom 83.6% in tier
- - Membership Headwinds: Bottom 83.6% in tier
- - Shrinking Wallet Share: Bottom 93.9% in tier
- - Delinquency rate 0.42% above tier average
- - Member decline: -3.4% YoY
- - Loan Growth Rate: Bottom 1.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 16 that size in Texas.
- Shares and deposits -3.8% year over year ($545M in shares and deposits).
- Membership: 33,260 members, -3.4% vs a year ago.
- Delinquency rate 1.23%.
- Return on assets 1.09%.
- Efficiency ratio 70.09% vs a 76.56% peer average.
- Loan-to-share ratio 56.23% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,260
-3.4% YoY-1.6% QoQ
|
-4.6K |
37,897
-5.0% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$629.8M
-2.9% YoY-0.1% QoQ
|
+$7.4M |
$622.4M
+0.6% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$306.6M
-11.9% YoY-3.2% QoQ
|
$-121.9M |
$428.5M
-0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.3% in tier |
| Deposits |
$545.2M
-3.8% YoY-0.6% QoQ
|
+$5.5M |
$539.8M
+0.9% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
52% |
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 |
1.1%
+203.5% YoY+62.8% QoQ
|
+0.3% |
0.8%
+39.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
3.5%
+3.6% YoY+0.5% QoQ
|
+0.0% |
3.5%
+5.0% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
48% |
| Efficiency Ratio |
70.1%
-7.1% YoY-8.6% QoQ
|
-6.5% |
76.6%
-3.6% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
21% |
| Delinquency Rate |
1.2%
-28.6% YoY+4.6% QoQ
|
+0.4 |
0.8%
+3.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
56.2%
-8.5% YoY-2.7% QoQ
|
-23.1% |
79.3%
-1.4% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 8.5% in tier |
| AMR |
$25,610
-3.5% YoY+0.0% QoQ
|
$-2K |
$27,294
+4.1% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
27.0%
-6.6% YoY+0.8% QoQ
|
+2.4% | 24.6% | 21.6% | 20.0% | 61% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)