BlastPoint's Credit Union Scorecard
NEIGHBORHOOD
Charter #67681 · TX
NEIGHBORHOOD has 1 strength but faces 10 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 19.0% in tier
- - Membership Headwinds: Bottom 58.3% in tier
- - Accelerating Exit Risk: Bottom 77.8% in tier
- - Credit Quality Pressure: Bottom 84.8% in tier
- - Institutional Decline: Bottom 86.2% in tier
- - Shrinking Wallet Share: Bottom 88.5% in tier
- - ROA 0.14% below tier average
- - Delinquency rate 0.48% above tier average
- - Loan Growth Rate: Bottom 6.6% in tier
- - Net Charge-Off Rate: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,729
-1.8% YoY-0.5% QoQ
|
-29.7K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$1.1B
+0.3% YoY+0.1% QoQ
|
$-597.9M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.2% in tier |
| Loans |
$776.3M
-5.0% YoY-0.8% QoQ
|
$-458.1M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.9% in tier |
| Deposits |
$998.5M
-1.0% YoY+0.1% QoQ
|
$-460.9M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
0.5%
+45.1% YoY+6.4% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.2%
+17.4% YoY+1.9% QoQ
|
-0.0% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
71.0%
+1.4% YoY-0.4% QoQ
|
-3.1% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
1.4%
+3.5% YoY+4.5% QoQ
|
+0.5 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
85% |
| Loan To Share |
77.7%
-4.0% YoY-1.0% QoQ
|
-7.0% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$26,204
-1.0% YoY+0.2% QoQ
|
$-3K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
25.3%
-7.8% YoY-0.9% QoQ
|
-3.7% | 29.0% | 21.2% | 19.8% | 36% |
| Indirect Auto % |
0.1%
-33.8% YoY-9.3% QoQ
|
-18.2% | 18.3% | 7.1% | 7.8% | Bottom 13.3% 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.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)