BlastPoint's Credit Union Scorecard
NEIGHBORHOOD
Charter #67681 · TX
NEIGHBORHOOD 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
- - Credit Quality Pressure: Bottom 9.9% in tier
- - Stagnation Risk: Bottom 81.5% in tier
- - Membership Headwinds: Bottom 81.5% in tier
- - Institutional Decline: Bottom 88.5% in tier
- - ROA 0.17% below tier average
- - Delinquency rate 0.68% above tier average
- - Net Charge-Off Rate: Bottom 7.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits -1.0% year over year ($998M in shares and deposits).
- Membership: 67,059 members, -1.3% vs a year ago.
- Delinquency rate 1.54%.
- Return on assets 0.65%.
- Efficiency ratio 70.97% vs a 73.02% peer average.
- Loan-to-share ratio 77.51% vs a 84.71% 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 |
67,059
-1.3% YoY-1.9% QoQ
|
-29.8K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$1.1B
-0.2% YoY-0.8% QoQ
|
$-600.1M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.3% in tier |
| Loans |
$773.6M
-1.3% YoY+0.1% QoQ
|
$-460.6M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.3% in tier |
| Deposits |
$998.1M
-1.0% YoY-0.8% QoQ
|
$-465.2M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.7%
+155.5% YoY-5.5% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
38% |
| NIM |
3.4%
+9.5% YoY+1.4% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
43% |
| Efficiency Ratio |
71.0%
-2.7% YoY+0.0% QoQ
|
-2.1% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
38% |
| Delinquency Rate |
1.5%
+33.1% YoY+0.0% QoQ
|
+0.7 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.3% in tier |
| Loan To Share |
77.5%
-0.3% YoY+0.8% QoQ
|
-7.2% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
24% |
| AMR |
$26,420
+0.2% YoY+1.5% QoQ
|
$-3K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration |
25.4%
-1.7% YoY+1.3% QoQ
|
-3.7% | 29.1% | 21.6% | 20.0% | 33% |
| Indirect Auto % |
0.1%
-26.3% YoY-5.7% QoQ
|
-18.0% | 18.1% | 6.9% | 7.7% | Top 12.8% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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.
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)