BlastPoint's Credit Union Scorecard

COMMUNITY RESOURCE

Charter #68021 · TX

Community 750M-1B
117 CUs in 750M-1B nationally 12 in TX
View Community leaderboard →

COMMUNITY RESOURCE has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 40.7% in tier
  • + Organic Growth Leader: Top 40.7% in tier
  • + ROA 0.44% above tier average
  • + Net Interest Margin 0.49% above tier average
  • + Fee Income Per Member: Top 3.4% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 17.8% in tier
  • - Credit Risk Growth: Bottom 56.3% in tier
  • - Efficiency ratio 0.35% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 58,588
+1.0% YoY+1.1% QoQ
 +7.1K 51,500
+0.7% YoY
 29,039
+7.4% YoY
 33,913
+5.7% YoY
 69%
Assets $933.6M
+3.2% YoY-1.4% QoQ
 +$67.9M $865.6M
+0.9% YoY
 $450.8M
+10.3% YoY
 $578.3M
+9.0% YoY
 77%
Loans $720.9M
+2.2% YoY-0.5% QoQ
 +$125.6M $595.3M
+1.6% YoY
 $318.1M
+8.9% YoY
 $402.4M
+8.7% YoY
 Top 12.8% in tier
Deposits $807.6M
+1.2% YoY+2.0% QoQ
 +$65.5M $742.2M
+0.6% YoY
 $378.7M
+10.8% YoY
 $494.3M
+9.1% YoY
 76%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.2%
+6.8% YoY+3.7% QoQ
 +0.4% 0.8%
+45.0% YoY
 -0.2%
-134.7% YoY
 0.4%
-39.2% YoY
 80%
NIM 3.9%
+3.4% YoY+0.9% QoQ
 +0.5% 3.5%
+6.1% YoY
 3.9%
-0.7% YoY
 3.8%
+4.1% YoY
 82%
Efficiency Ratio 75.9%
+1.4% YoY+2.6% QoQ
 +0.4% 75.5%
-3.4% YoY
 98.7%
+20.4% YoY
 84.6%
+2.8% YoY
 43%
Delinquency Rate 0.6%
+98.8% YoY+14.5% QoQ
 -0.1 0.7%
-0.1% YoY
 1.2%
+13.1% YoY
 1.2%
+3.4% YoY
 53%
Loan To Share 89.3%
+0.9% YoY-2.4% QoQ
 +8.6% 80.6%
+0.7% YoY
 69.5%
-2.6% YoY
 65.6%
-1.4% YoY
 73%
AMR $26,089
+0.7% YoY-0.3% QoQ
 $-3K $28,908
+0.7% YoY
 $17,820
+2.9% YoY
 $19,920
+1.6% YoY
 49%
CD Concentration 25.8%
+5.6% YoY-0.4% QoQ
 +1.5% 24.3% 21.3% 19.8% 56%
Indirect Auto % 12.2%
-16.3% YoY-3.4% QoQ
 -1.6% 13.8% 6.9% 7.7% 57%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#273 of 352 • Top 40.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.97%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 1.20%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 12.17%
(Tier: 13.80%, National: 7.73%)
better than tier avg
499 nationally
→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth
#318 of 371 • Top 40.7% in tier

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

Why This Signature
Member Growth (YoY): 0.97%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 12.17%
(Tier: 13.80%, National: 7.73%)
better than tier avg
518 nationally
→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk
#238 of 727 • Bottom 17.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.30% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
1013 nationally
↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk
#302 of 476 • Bottom 56.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 2.16%
(Tier: 4.14%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.30% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
710 nationally
→ No prior data (476 CUs now) | New qualifier

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)

Comparing against 117 peers in tier

Top Strengths (6 metrics)

5
Fee Income Per Member
profitability
Value: $448.06
Peer Median: $187.56
#5 of 117 Top 3.4% in 750M-1B tier
15
Total Loans
balance_sheet
Value: $720.89M
Peer Median: $618.21M
#15 of 117 Top 12.0% in 750M-1B tier
21
Net Interest Margin (NIM)
profitability
Value: 3.94%
Peer Median: 3.47%
#21 of 117 Top 17.1% in 750M-1B tier
23
Return on Assets (ROA)
profitability
Value: 1.20%
Peer Median: 0.63%
#23 of 117 Top 18.8% in 750M-1B tier
27
Total Assets
balance_sheet
Value: $933.56M
Peer Median: $858.87M
#27 of 117 Top 22.2% in 750M-1B tier
28
Total Deposits
balance_sheet
Value: $807.64M
Peer Median: $735.65M
#28 of 117 Top 23.1% in 750M-1B tier

Top Weaknesses (2 metrics)

92
AMR Growth Rate
growth
Value: 0.68%
Peer Median: 3.70%
#92 of 117 Bottom 22.2% in 750M-1B tier
90
Deposit Growth Rate
growth
Value: 1.21%
Peer Median: 4.60%
#90 of 117 Bottom 23.9% in 750M-1B tier
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