BlastPoint's Credit Union Scorecard
BAPTIST
Charter #68358 · TX
BAPTIST has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.66% above tier average
- + Net Interest Margin 0.18% above tier average
- + Total Members: Top 4.1% in tier
- + Fee Income Per Member: Top 7.8% in tier
- + Total Loans: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
- - Net Worth Ratio: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,772
-3.8% YoY-0.1% QoQ
|
+5.2K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 4.2% in tier |
| Assets |
$53.9M
+2.5% YoY+1.5% QoQ
|
+$23.7M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$41.0M
+4.6% YoY+0.7% QoQ
|
+$25.2M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 9.6% in tier |
| Deposits |
$48.7M
+1.4% YoY+1.6% QoQ
|
+$23.0M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
1.3%
+292.8% YoY-5.3% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
4.1%
+0.4% YoY+0.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
77.7%
-14.7% YoY-0.7% QoQ
|
-4.9% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.1%
-65.1% YoY-76.4% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
84.1%
+3.2% YoY-0.9% QoQ
|
+23.5% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$11,536
+6.9% YoY+1.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
23.1%
+2.4% YoY+14.6% QoQ
|
-1.3% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)