BlastPoint's Credit Union Scorecard
CITY
Charter #67669 · TX
CITY faces 8 concerns requiring attention
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
No key strengths identified
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 14.3% in tier
- - Stagnation Risk: Bottom 85.9% in tier
- - Accelerating Exit Risk: Bottom 85.9% in tier
- - Membership Headwinds: Bottom 85.9% in tier
- - Shrinking Wallet Share: Bottom 89.7% in tier
- - Delinquency rate 0.47% above tier average
- - Member decline: -3.9% YoY
- - Loan Growth Rate: Bottom 3.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,792
-3.9% YoY-1.2% QoQ
|
-4.3K |
38,079
-4.8% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
35% |
| Assets |
$630.5M
-2.1% YoY+1.2% QoQ
|
+$10.8M |
$619.7M
-0.2% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
54% |
| Loans |
$316.8M
-11.3% YoY-3.7% QoQ
|
$-102.5M |
$419.3M
-1.4% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.2% in tier |
| Deposits |
$548.3M
-2.6% YoY+1.2% QoQ
|
+$8.8M |
$539.5M
-0.1% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
55% |
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| ROA |
0.7%
+96.6% YoY+583.2% QoQ
|
+0.0% |
0.7%
+36.0% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
56% |
| NIM |
3.5%
+5.0% YoY-0.9% QoQ
|
+0.0% |
3.5%
+4.5% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
76.7%
+0.1% YoY-4.4% QoQ
|
-1.7% |
78.4%
-3.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
1.2%
-26.8% YoY-25.8% QoQ
|
+0.5 |
0.7%
-0.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
57.8%
-9.0% YoY-4.8% QoQ
|
-19.9% |
77.7%
-1.2% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 9.6% in tier |
| AMR |
$25,600
-2.2% YoY+0.5% QoQ
|
$-1K |
$26,927
+3.1% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
50% |
| CD Concentration |
26.8%
-6.5% YoY-1.8% QoQ
|
+2.5% | 24.3% | 21.3% | 19.8% | 60% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)