BlastPoint's Credit Union Scorecard
COMMUNITY SERVICE
Charter #67974 · TX
COMMUNITY SERVICE has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 25.0% in tier
- + Organic Growth Leader: Top 68.0% in tier
- + Organic Growth Engine: Top 85.5% in tier
- + Emerging Performer: Top 97.8% in tier
- + Net Interest Margin 0.60% above tier average
- + Fee Income Per Member: Top 4.4% in tier
- + Loan Growth Rate: Top 5.5% in tier
- + AMR Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 53.2% in tier
- - Credit Quality Pressure: Bottom 97.2% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 2.27% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,282
+1.7% YoY+0.5% QoQ
|
-4.2K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$164.7M
+8.6% YoY+2.0% QoQ
|
$-67.1M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$124.7M
+16.6% YoY+5.1% QoQ
|
$-22.7M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$147.0M
+9.0% YoY+2.6% QoQ
|
$-53.8M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
0.5%
+41.6% YoY-18.7% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
4.2%
+5.6% YoY+0.6% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
79.3%
-8.5% YoY-2.2% QoQ
|
+2.3% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.8%
+1.5% YoY-17.2% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
84.8%
+7.0% YoY+2.4% QoQ
|
+12.6% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$24,080
+10.5% YoY+3.2% QoQ
|
$-596 |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
15.4%
+6.6% YoY-1.5% QoQ
|
-9.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
8.3%
-18.2% YoY-3.9% QoQ
|
-5.5% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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.
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 (2)
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.
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)