BlastPoint's Credit Union Scorecard
SMART FINANCIAL
Charter #67927 · TX
SMART FINANCIAL has 3 strengths but faces 3 concerns
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
- + ROA 0.63% above tier average
- + Net Interest Margin 1.18% above tier average
- + Share Certificate Concentration (%): Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 65.7% in tier
- - Stagnation Risk: Bottom 65.7% in tier
- - Delinquency rate 0.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,807
-1.2% YoY+0.1% QoQ
|
+8.3K |
51,500
+0.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
74% |
| Assets |
$805.8M
+0.4% YoY+0.3% QoQ
|
$-59.8M |
$865.6M
+0.9% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$583.6M
+6.6% YoY+2.7% QoQ
|
$-11.7M |
$595.3M
+1.6% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
40% |
| Deposits |
$700.5M
+0.1% YoY+0.5% QoQ
|
$-41.7M |
$742.2M
+0.6% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
1.4%
+89.6% YoY+50.2% QoQ
|
+0.6% |
0.8%
+45.0% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 14.5% in tier |
| NIM |
4.6%
+15.8% YoY+10.1% QoQ
|
+1.2% |
3.5%
+6.1% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 3.4% in tier |
| Efficiency Ratio |
68.6%
-11.8% YoY-3.3% QoQ
|
-7.0% |
75.5%
-3.4% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate |
1.0%
-16.5% YoY-49.0% QoQ
|
+0.3 |
0.7%
-0.1% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
83.3%
+6.5% YoY+2.2% QoQ
|
+2.7% |
80.6%
+0.7% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$21,470
+4.3% YoY+1.4% QoQ
|
$-7K |
$28,908
+0.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration |
10.1%
+6.8% YoY+3.6% QoQ
|
-14.1% | 24.3% | 21.3% | 19.8% | Bottom 8.7% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)