BlastPoint's Credit Union Scorecard
KEYSTONE
Charter #67869 · TX
KEYSTONE has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 5.3% in tier
- + Net Worth Ratio: Top 7.8% in tier
- + Loan-to-Member Ratio (LMR): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Member decline: -5.4% YoY
- - First Mortgage Concentration (%): Bottom 2.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -1.4% year over year ($29.1M in shares and deposits).
- Membership: 2,828 members, -5.4% vs a year ago.
- Delinquency rate 0.68%.
- Return on assets 0.87%.
- Efficiency ratio 70.47% vs a 88.77% peer average.
- Loan-to-share ratio 95.30% vs a 58.89% 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 |
2,828
-5.4% YoY-3.5% QoQ
|
+242 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
66% |
| Assets |
$40.2M
-0.3% YoY+0.5% QoQ
|
+$9.9M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$27.7M
-4.6% YoY+3.9% QoQ
|
+$12.2M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
80% |
| Deposits |
$29.1M
-1.4% YoY+0.5% QoQ
|
+$3.3M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
63% |
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| ROA |
0.9%
+75.5% YoY-8.7% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
53% |
| NIM |
3.0%
+14.9% YoY+0.9% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
70.5%
-16.3% YoY+1.8% QoQ
|
-18.3% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
0.7%
+71.1% YoY-71.1% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
95.3%
-3.3% YoY+3.4% QoQ
|
+36.4% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 5.4% in tier |
| AMR |
$20,067
+2.6% YoY+5.8% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 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)