BlastPoint's Credit Union Scorecard
NEIGHBORHOOD
Charter #67681 · TX
NEIGHBORHOOD has 1 strength but faces 12 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
- + Fee Income Per Member: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16.9% in tier
- - Stagnation Risk: Bottom 19.7% in tier
- - Membership Headwinds: Bottom 20.5% in tier
- - Accelerating Exit Risk: Bottom 22.7% in tier
- - Shrinking Wallet Share: Bottom 24.1% in tier
- - Institutional Decline: Bottom 26.5% in tier
- - ROA 0.19% below tier average
- - Delinquency rate 0.49% above tier average
- - Member decline: -2.2% YoY
- - Asset Growth Rate: Bottom 5.6% in tier
- - Net Charge-Off Rate: Bottom 6.6% in tier
- - Loan Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
68,102
-2.2% YoY+0.2% QoQ
|
-30.6K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
23% |
| Assets |
$1.1B
-4.3% YoY-0.2% QoQ
|
$-595.2M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.8% in tier |
| Loans |
$782.9M
-5.8% YoY-0.1% QoQ
|
$-450.2M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.1% in tier |
| Deposits |
$997.3M
-1.3% YoY-1.1% QoQ
|
$-457.1M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
0.5%
+13.0% YoY+100.3% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
3.2%
+18.7% YoY+3.1% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
41% |
| Efficiency Ratio |
71.3%
+3.1% YoY-2.2% QoQ
|
-2.7% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
1.3%
+8.1% YoY+13.9% QoQ
|
+0.5 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 14.5% in tier |
| Loan To Share |
78.5%
-4.5% YoY+1.0% QoQ
|
-6.7% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$26,139
-1.2% YoY-0.9% QoQ
|
$-3K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
42% |
| CD Concentration |
25.6%
-7.1% YoY-1.0% QoQ
|
-3.4% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
36% |
| Indirect Auto % |
0.1%
-32.5% YoY-7.5% QoQ
|
-18.7% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Bottom 13.2% in tier |
Signature Analysis
Strengths (0)
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)