BlastPoint's Credit Union Scorecard
COMMUNITY SERVICE
Charter #67974 · TX
COMMUNITY SERVICE has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 20.9% in tier
- + Organic Growth Engine: Top 25.7% in tier
- + Wallet Share Momentum: Top 32.7% in tier
- + Emerging Performer: Top 93.7% in tier
- + Net Interest Margin 0.60% above tier average
- + Fee Income Per Member: Top 3.6% in tier
- + Loan Growth Rate: Top 8.8% in tier
- + First Mortgage Concentration (%): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2.1% in tier
- - Credit Quality Pressure: Bottom 8.9% in tier
- - Efficiency Drag: Bottom 25.3% in tier
- - ROA 0.12% below tier average
- - Efficiency ratio 3.81% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,227
+1.8% YoY-0.6% QoQ
|
-4.4K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
37% |
| Assets |
$161.5M
+2.8% YoY+1.9% QoQ
|
$-69.8M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
35% |
| Loans |
$118.7M
+13.1% YoY+4.5% QoQ
|
$-29.1M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
46% |
| Deposits |
$143.3M
+9.4% YoY+2.1% QoQ
|
$-57.0M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
37% |
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| ROA |
0.7%
+95.4% YoY-3.9% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
4.2%
+7.5% YoY-0.1% QoQ
|
+0.6% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
82% |
| Efficiency Ratio |
81.1%
-7.8% YoY-0.2% QoQ
|
+3.8% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.9%
+61.0% YoY-9.4% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
67% |
| Loan To Share |
82.8%
+3.4% YoY+2.3% QoQ
|
+10.1% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$23,330
+9.0% YoY+3.8% QoQ
|
$-1K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
55% |
| CD Concentration |
15.6%
+12.4% YoY+3.9% QoQ
|
-8.8% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
8.6%
-10.2% YoY-5.4% QoQ
|
-5.4% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)