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 4.7% in tier
- - Stagnation Risk: Bottom 78.7% in tier
- - Accelerating Exit Risk: Bottom 78.7% in tier
- - Membership Headwinds: Bottom 78.7% in tier
- - Shrinking Wallet Share: Bottom 84.5% in tier
- - Institutional Decline: Bottom 88.0% in tier
- - Deposit Outflow: Bottom 92.4% in tier
- - Delinquency rate 0.78% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
68,342
-0.9% YoY+0.9% QoQ
|
-27.7K |
96,048
-2.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$1.1B
-0.5% YoY+0.7% QoQ
|
$-586.6M |
$1.7B
+0.4% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 15.0% in tier |
| Loans |
$773.2M
-3.1% YoY-0.4% QoQ
|
$-440.5M |
$1.2B
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.7% in tier |
| Deposits |
$1.0B
-1.5% YoY+0.8% QoQ
|
$-459.6M |
$1.5B
+0.5% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
0.7%
+332.3% YoY+26.8% QoQ
|
+0.0% |
0.7%
+27.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
53% |
| NIM |
3.3%
+9.3% YoY+2.8% QoQ
|
+0.0% |
3.4%
+6.2% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
71.0%
-5.2% YoY-0.1% QoQ
|
-3.7% |
74.6%
-3.0% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
35% |
| Delinquency Rate |
1.5%
+64.7% YoY+11.8% QoQ
|
+0.8 |
0.8%
+6.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.2% in tier |
| Loan To Share |
76.9%
-1.6% YoY-1.1% QoQ
|
-6.3% |
83.2%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$26,033
-1.4% YoY-0.7% QoQ
|
$-4K |
$29,652
+2.3% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration |
25.1%
-3.2% YoY-1.1% QoQ
|
-3.8% | 28.8% | 21.3% | 19.8% | 33% |
| Indirect Auto % |
0.1%
-33.9% YoY-6.8% QoQ
|
-18.0% | 18.1% | 6.9% | 7.7% | Top 13.3% in tier |
Signature Analysis
Strengths (0)
Concerns (7)
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.
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)