BlastPoint's Credit Union Scorecard
FAMILY 1ST OF TEXAS
Charter #678 · TX
FAMILY 1ST OF TEXAS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 4.41% below tier average
- - Efficiency ratio 82.10% above tier (higher cost structure)
- - Delinquency rate 11.24% above tier average
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Net Worth Ratio: Bottom 0.3% in tier
Core Metrics
As of 2024-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,342
-1.3% YoY+0.1% QoQ
|
-1.3K |
2,666
-1.5% YoY
|
26,129
+3.6% YoY
|
31,574
+5.6% YoY
|
37% |
| Assets |
$19.2M
-15.0% YoY-0.5% QoQ
|
$-10.4M |
$29.5M
+0.5% YoY
|
$390.2M
+3.7% YoY
|
$512.2M
+5.7% YoY
|
47% |
| Loans |
$14.1M
-28.4% YoY-12.4% QoQ
|
$-1.9M |
$16.0M
-1.8% YoY
|
$283.2M
+2.7% YoY
|
$364.9M
+6.1% YoY
|
60% |
| Deposits |
$18.1M
-12.8% YoY-0.0% QoQ
|
$-7.2M |
$25.3M
-0.1% YoY
|
$324.0M
+5.1% YoY
|
$435.0M
+7.6% YoY
|
50% |
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| ROA |
-3.9%
+611.7% YoY-7.8% QoQ
|
-4.4% |
0.6%
-116.4% YoY
|
0.6%
+3.4% YoY
|
0.6%
-131.7% YoY
|
Bottom 1.4% in tier |
| NIM |
2.9%
-24.4% YoY+8.1% QoQ
|
-0.9% |
3.8%
+96.9% YoY
|
3.8%
+9.1% YoY
|
3.6%
+50.3% YoY
|
22% |
| Efficiency Ratio |
166.6%
+68.8% YoY-4.0% QoQ
|
+82.1% |
84.5%
-2.9% YoY
|
80.8%
-4.1% YoY
|
82.3%
-1.8% YoY
|
Bottom 1.8% in tier |
| Delinquency Rate |
12.8%
+1335.3% YoY-20.7% QoQ
|
+11.2 |
1.6%
+6.3% YoY
|
1.1%
+17.1% YoY
|
1.3%
+8.3% YoY
|
Bottom 1.6% in tier |
| Loan To Share |
77.6%
-17.9% YoY-12.3% QoQ
|
+15.0% |
62.6%
-1.1% YoY
|
73.4%
-1.7% YoY
|
68.6%
-1.2% YoY
|
72% |
| AMR |
$24,011
-19.3% YoY-5.9% QoQ
|
+$9K |
$14,991
+4.6% YoY
|
$17,174
-0.5% YoY
|
$19,294
+3.8% YoY
|
Top 9.0% in tier |
| CD Concentration |
28.4%
+52.0% YoY+22.4% QoQ
|
- | - | - | - | 50% |
| Indirect Auto % | 0.0% | - | - | - | - | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)