BlastPoint's Credit Union Scorecard

COMMUNITY RESOURCE

Charter #68021 · TX

Community 750M-1B

117 CUs in 750M-1B nationally 11 in TX

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COMMUNITY RESOURCE has 4 strengths but faces 1 concern

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

+ Wallet Share Momentum: Top 94.1% in tier
+ ROA 0.41% above tier average
+ Net Interest Margin 0.51% above tier average
+ Fee Income Per Member: Top 4.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 83.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	57,968 +0.1% YoY+0.5% QoQ	+5.9K	52,084 -1.6% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	63%
Assets	$946.9M +5.8% YoY+4.5% QoQ	+$83.1M	$863.9M +0.5% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	81%
Loans	$724.4M +4.2% YoY+1.2% QoQ	+$118.6M	$605.8M +1.4% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	Top 12.0% in tier
Deposits	$791.8M +6.6% YoY+2.2% QoQ	+$54.5M	$737.3M +0.1% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	72%

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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% +50.7% YoY-0.6% QoQ	+0.4%	0.7% +39.1% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	80%
NIM	3.9% +15.2% YoY-1.7% QoQ	+0.5%	3.4% +8.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	80%
Efficiency Ratio	74.0% -4.8% YoY+0.8% QoQ	-0.4%	74.3% -3.6% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	40%
Delinquency Rate	0.5% -8.2% YoY-11.3% QoQ	-0.4	0.9% +3.8% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	26%
Loan To Share	91.5% -2.3% YoY-1.0% QoQ	+8.9%	82.6% +1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	72%
AMR	$26,156 +5.2% YoY+1.2% QoQ	$-3K	$28,873 +2.7% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	49%
CD Concentration	25.9% +1.0% YoY-0.7% QoQ	+1.5%	24.4%	21.2%	19.8%	55%
Indirect Auto %	12.6% -16.1% YoY-7.1% QoQ	-1.2%	13.8%	7.1%	7.8%	58%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#483 of 513 • Top 94.1% in tier

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

Why This Signature

AMR Growth (YoY): 5.24%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (1)

Liquidity Strain

risk

#190 of 228 • Bottom 83.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.49%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 4.15%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 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 117 peers in tier

Top Strengths (5 metrics)

Fee Income Per Member

profitability

Value: $403.96

Peer Median: -

#6 of 117 Top 4.3% in 750M-1B tier

Total Loans

balance_sheet

Value: $724.40M

Peer Median: -

#14 of 117 Top 11.1% in 750M-1B tier

Total Assets

balance_sheet

Value: $946.95M

Peer Median: -

#22 of 117 Top 17.9% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.16%

Peer Median: -

#23 of 117 Top 18.8% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 3.90%

Peer Median: -

#24 of 117 Top 19.7% in 750M-1B tier

Top Weaknesses (1 metrics)

Members Per Employee (MPE)

engagement

Value: 280.039

Peer Median: -

#91 of 117 Bottom 23.1% in 750M-1B tier