BlastPoint's Credit Union Scorecard
COMMUNITY SERVICE
Charter #67974 · TX
COMMUNITY SERVICE has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.88% above tier average
- + Fee Income Per Member: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 4.17% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 4.5% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
- Shares and deposits +4.4% year over year ($146M in shares and deposits).
- Membership: 11,228 members, -0.6% vs a year ago.
- Delinquency rate 0.82%.
- Return on assets 0.44%.
- Efficiency ratio 80.91% vs a 76.73% peer average.
- Loan-to-share ratio 84.95% vs a 71.54% 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 |
11,228
-0.6% YoY-1.3% QoQ
|
-3.9K |
15,168
-2.6% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$163.8M
+3.3% YoY+0.5% QoQ
|
$-68.2M |
$232.0M
+0.7% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$124.4M
+9.6% YoY-0.5% QoQ
|
$-21.8M |
$146.3M
+0.2% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$146.5M
+4.4% YoY+0.7% QoQ
|
$-54.2M |
$200.7M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
39% |
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| ROA |
0.4%
-35.7% YoY+724.7% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
4.6%
+9.1% YoY+0.6% QoQ
|
+0.9% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 9.4% in tier |
| Efficiency Ratio |
80.9%
-0.4% YoY-2.6% QoQ
|
+4.2% |
76.7%
-0.8% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
0.8%
-19.8% YoY+91.8% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
84.9%
+4.9% YoY-1.2% QoQ
|
+13.4% |
71.5%
-0.3% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
75% |
| AMR |
$24,125
+7.3% YoY+1.5% QoQ
|
$-981 |
$25,107
+3.2% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
56% |
| CD Concentration |
15.5%
+3.0% YoY+1.9% QoQ
|
-9.1% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
8.9%
-2.1% YoY-1.7% QoQ
|
-4.7% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)