BlastPoint's Credit Union Scorecard

COMMUNITY SERVICE

Charter #67974 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

COMMUNITY SERVICE has 6 strengths but faces 4 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.91% above tier average
+ Loan Growth Rate: Top 7.8% in tier
+ Fee Income Per Member: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.67% below tier average
- Efficiency ratio 5.04% above tier (higher cost structure)
- Net Charge-Off Rate: Bottom 1.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	11,379 +1.5% YoY+0.9% QoQ	-3.8K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	40%
Assets	$162.9M +4.5% YoY-1.1% QoQ	$-68.8M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	36%
Loans	$125.1M +13.9% YoY+0.3% QoQ	$-19.1M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	52%
Deposits	$145.4M +4.3% YoY-1.1% QoQ	$-55.7M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% -49.7% YoY-90.0% QoQ	-0.7%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 9.8% in tier
NIM	4.5% +9.6% YoY+8.0% QoQ	+0.9%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Top 8.9% in tier
Efficiency Ratio	83.1% -5.1% YoY+4.8% QoQ	+5.0%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	66%
Delinquency Rate	0.4% -22.1% YoY-44.2% QoQ	-0.3	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	34%
Loan To Share	86.0% +9.2% YoY+1.4% QoQ	+15.6%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	81%
AMR	$23,774 +7.0% YoY-1.3% QoQ	$-1K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	55%
CD Concentration	15.2% +3.6% YoY-1.3% QoQ	-9.1%	24.3%	21.3%	19.8%	50%
Indirect Auto %	9.0% -8.4% YoY+9.5% QoQ	-4.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#280 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.99%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Organic Growth Leader

growth

#268 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.47%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 9.04%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#347 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.47%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.05%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 9.04%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#207 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.06%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.05% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 1.47%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Loan Growth Rate

growth

Value: 13.93%

Peer Median: 2.93%

#84 of 1070 Top 7.8% in 100M-500M tier

Fee Income Per Member

profitability

Value: $266.89

Peer Median: $154.95

#87 of 1070 Top 8.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.54%

Peer Median: 3.62%

#95 of 1070 Top 8.8% in 100M-500M tier

134

First Mortgage Concentration (%)

balance_sheet

Value: 9.97%

Peer Median: 29.47%

#134 of 1070 Top 12.4% in 100M-500M tier

207

Loan-to-Share Ratio

balance_sheet

Value: 86.00%

Peer Median: 71.88%

#207 of 1070 Top 19.3% in 100M-500M tier

215

AMR Growth Rate

growth

Value: 6.99%

Peer Median: 3.46%

#215 of 1070 Top 20.0% in 100M-500M tier

247

Share Certificate Concentration (%)

balance_sheet

Value: 15.18%

Peer Median: 23.10%

#247 of 1070 Top 23.0% in 100M-500M tier

267

Members Per Employee (MPE)

engagement

Value: 379.300

Peer Median: 309.176

#267 of 1070 Top 24.9% in 100M-500M tier

Top Weaknesses (3 metrics)

1056

Net Charge-Off Rate

risk

Value: 2.24%

Peer Median: 0.35%

#1056 of 1070 Bottom 1.4% in 100M-500M tier

965

Return on Assets (ROA)

profitability

Value: 0.05%

Peer Median: 0.69%

#965 of 1070 Bottom 9.9% in 100M-500M tier

883

Net Worth Ratio

risk

Value: 9.29%

Peer Median: 11.45%

#883 of 1070 Bottom 17.6% in 100M-500M tier