BlastPoint's Credit Union Scorecard
KEYSTONE
Charter #67869 · TX
KEYSTONE has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 7.9% in tier
- + Net Worth Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Delinquency rate 0.99% above tier average
- - Member decline: -4.5% YoY
- - First Mortgage Concentration (%): Bottom 1.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,961
-4.5% YoY-0.3% QoQ
|
+345 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$40.6M
+2.2% YoY+0.1% QoQ
|
+$10.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$27.6M
-5.1% YoY-4.4% QoQ
|
+$11.8M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$29.6M
+2.2% YoY+0.0% QoQ
|
+$3.9M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
64% |
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| ROA |
0.5%
+91.0% YoY+12.1% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
41% |
| NIM |
2.8%
+8.5% YoY+3.5% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.6% in tier |
| Efficiency Ratio |
81.5%
-12.9% YoY-2.3% QoQ
|
-1.0% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
2.5%
+336.2% YoY+20.8% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
93.1%
-7.1% YoY-4.4% QoQ
|
+32.5% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 8.0% in tier |
| AMR |
$19,304
+3.2% YoY-1.9% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)