BlastPoint's Credit Union Scorecard
SMART FINANCIAL
Charter #67927 · TX
SMART FINANCIAL has 4 strengths but faces 9 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
- + Wallet Share Momentum: Top 98.1% in tier
- + Net Interest Margin 0.75% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.9% in tier
- - Credit Quality Pressure: Bottom 10.5% in tier
- - Stagnation Risk: Bottom 21.6% in tier
- - Membership Headwinds: Bottom 22.2% in tier
- - ROA 0.01% below tier average
- - Efficiency ratio 2.64% above tier (higher cost structure)
- - Delinquency rate 0.76% above tier average
- - Asset Growth Rate: Bottom 4.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,542
-1.7% YoY+0.0% QoQ
|
+7.4K |
52,114
-2.1% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
67% |
| Assets |
$800.6M
-5.1% YoY-0.2% QoQ
|
$-58.5M |
$859.0M
+0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
23% |
| Loans |
$565.4M
+6.4% YoY-0.3% QoQ
|
$-38.0M |
$603.4M
+1.0% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$694.8M
+1.0% YoY-0.4% QoQ
|
$-39.3M |
$734.2M
+0.9% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
31% |
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| ROA |
0.7%
+79.0% YoY+7.0% QoQ
|
-0.0% |
0.7%
+27.6% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
49% |
| NIM |
4.1%
+23.1% YoY+0.2% QoQ
|
+0.8% |
3.4%
+9.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 9.8% in tier |
| Efficiency Ratio |
77.2%
-11.2% YoY-0.8% QoQ
|
+2.6% |
74.5%
-3.2% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
51% |
| Delinquency Rate |
1.6%
+23.6% YoY+32.0% QoQ
|
+0.8 |
0.8%
+5.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 8.9% in tier |
| Loan To Share |
81.4%
+5.3% YoY+0.1% QoQ
|
-1.3% |
82.7%
+0.1% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
35% |
| AMR |
$21,165
+5.1% YoY-0.4% QoQ
|
$-7K |
$28,651
+2.5% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
24% |
| CD Concentration |
9.8%
+12.7% YoY+1.2% QoQ
|
-14.6% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
Bottom 8.5% in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)