BlastPoint's Credit Union Scorecard
CITY
Charter #67669 · TX
CITY has 2 strengths but faces 14 concerns
How does the industry compare?
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 10.0% in tier
- - Institutional Decline: Bottom 13.4% in tier
- - Accelerating Exit Risk: Bottom 23.6% in tier
- - Membership Headwinds: Bottom 48.3% in tier
- - Shrinking Wallet Share: Bottom 54.1% in tier
- - Efficiency Drag: Bottom 95.9% in tier
- - ROA 0.56% below tier average
- - Efficiency ratio 2.70% above tier (higher cost structure)
- - Delinquency rate 0.74% above tier average
- - Member decline: -2.8% YoY
- - Loan Growth Rate: Bottom 3.6% in tier
- - Net Charge-Off Rate: Bottom 4.8% in tier
- - Asset Growth Rate: Bottom 9.7% in tier
- - AMR Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,196
-2.8% YoY-0.3% QoQ
|
-4.4K |
38,575
-4.8% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$623.2M
-2.5% YoY-2.7% QoQ
|
+$1.5M |
$621.7M
+0.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$329.1M
-10.8% YoY-2.6% QoQ
|
$-100.7M |
$429.8M
-1.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.5% in tier |
| Deposits |
$542.0M
-1.3% YoY-3.0% QoQ
|
+$3.3M |
$538.7M
+0.6% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.1%
-81.1% YoY-72.4% QoQ
|
-0.6% |
0.7%
+42.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.7% in tier |
| NIM |
3.5%
+8.8% YoY+2.8% QoQ
|
+0.1% |
3.4%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
80.2%
+10.6% YoY+6.4% QoQ
|
+2.7% |
77.5%
-4.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
1.6%
-8.3% YoY+0.6% QoQ
|
+0.7 |
0.8%
-1.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 12.7% in tier |
| Loan To Share |
60.7%
-9.7% YoY+0.4% QoQ
|
-19.1% |
79.8%
-2.3% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.3% in tier |
| AMR |
$25,473
-2.4% YoY-2.5% QoQ
|
$-1K |
$26,849
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
27.2%
-3.5% YoY-5.2% QoQ
|
+2.8% | 24.4% | 21.2% | 19.8% | 60% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
Concerns (6)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)