BlastPoint's Credit Union Scorecard
SMART FINANCIAL
Charter #67927 · TX
SMART FINANCIAL has 3 strengths but faces 4 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 0.36% above tier average
- + Net Interest Margin 1.16% above tier average
- + Share Certificate Concentration (%): Top 1.8% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 69.3% in tier
- - Membership Headwinds: Bottom 69.3% in tier
- - Flatlined Growth: Bottom 79.3% in tier
- - Delinquency rate 0.37% above tier average
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 10 that size in Texas.
- Shares and deposits +0.4% year over year ($701M in shares and deposits).
- Membership: 58,661 members, -1.5% vs a year ago.
- Delinquency rate 1.16%.
- Return on assets 1.20%.
- Efficiency ratio 72.55% vs a 74.54% peer average.
- Loan-to-share ratio 83.65% vs a 82.60% 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 |
58,661
-1.5% YoY-1.9% QoQ
|
+6.2K |
52,482
+1.3% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$807.5M
+0.6% YoY+0.2% QoQ
|
$-56.4M |
$863.9M
+0.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$586.1M
+3.3% YoY+0.4% QoQ
|
$-21.7M |
$607.8M
+2.1% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$700.6M
+0.4% YoY+0.0% QoQ
|
$-39.3M |
$739.9M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
1.2%
+84.9% YoY-13.8% QoQ
|
+0.4% |
0.8%
+30.4% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
76% |
| NIM |
4.7%
+13.4% YoY+0.9% QoQ
|
+1.2% |
3.5%
+6.2% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
72.5%
-6.7% YoY+5.8% QoQ
|
-2.0% |
74.5%
-1.4% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
33% |
| Delinquency Rate |
1.2%
-2.8% YoY+16.6% QoQ
|
+0.4 |
0.8%
+1.0% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
83.7%
+2.9% YoY+0.4% QoQ
|
+1.1% |
82.6%
+1.9% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$21,935
+3.2% YoY+2.2% QoQ
|
$-7K |
$28,702
+0.4% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
10.4%
+7.6% YoY+2.5% QoQ
|
-14.2% | 24.6% | 21.6% | 20.0% | Bottom 8.7% in tier |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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)