BlastPoint's Credit Union Scorecard
SMART FINANCIAL
Charter #67927 · TX
SMART FINANCIAL has 5 strengths but faces 6 concerns
How does the industry compare?
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Net Interest Margin 0.81% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 2.6% in tier
- + Fee Income Per Member: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 67.6% in tier
- - Credit Quality Pressure: Bottom 73.7% in tier
- - Membership Headwinds: Bottom 79.4% in tier
- - Credit Risk Growth: Bottom 81.8% in tier
- - Delinquency rate 1.08% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,731
-1.3% YoY+0.3% QoQ
|
+7.6K |
52,084
-1.6% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$803.5M
+2.6% YoY+0.4% QoQ
|
$-60.3M |
$863.9M
+0.5% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$568.2M
+3.9% YoY+0.5% QoQ
|
$-37.6M |
$605.8M
+1.4% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
31% |
| Deposits |
$697.0M
+2.2% YoY+0.3% QoQ
|
$-40.3M |
$737.3M
+0.1% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
0.9%
+267.2% YoY+33.5% QoQ
|
+0.2% |
0.7%
+39.1% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
4.2%
+17.2% YoY+1.9% QoQ
|
+0.8% |
3.4%
+8.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 7.7% in tier |
| Efficiency Ratio |
70.9%
-19.5% YoY-8.1% QoQ
|
-3.4% |
74.3%
-3.6% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
2.0%
+5.3% YoY+23.8% QoQ
|
+1.1 |
0.9%
+3.8% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 6.8% in tier |
| Loan To Share |
81.5%
+1.6% YoY+0.2% QoQ
|
-1.0% |
82.6%
+1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$21,182
+4.3% YoY+0.1% QoQ
|
$-8K |
$28,873
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
9.8%
+9.0% YoY+0.2% QoQ
|
-14.6% | 24.4% | 21.2% | 19.8% | Bottom 8.3% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)