BlastPoint's Credit Union Scorecard
TRAVIS
Charter #68429 · CA
TRAVIS has 2 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 33.1% in tier
- + Net Interest Margin 0.17% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.1% in tier
- - Liquidity Strain: Bottom 29.4% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 3.21% above tier (higher cost structure)
- - Delinquency rate 0.13% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
264,723
+2.7% YoY+1.5% QoQ
|
-25.0K |
289,724
-2.8% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
35% |
| Assets |
$5.4B
+4.0% YoY+0.3% QoQ
|
$-379.3M |
$5.8B
+0.2% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$4.2B
+2.6% YoY+0.7% QoQ
|
+$132.7M |
$4.1B
-3.1% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
50% |
| Deposits |
$4.5B
+3.9% YoY-0.2% QoQ
|
$-398.7M |
$4.9B
+2.2% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
29% |
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| ROA |
0.5%
+7.4% YoY+13.2% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.7% in tier |
| NIM |
3.1%
+11.0% YoY+3.6% QoQ
|
+0.2% |
2.9%
+3.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
71.3%
-2.5% YoY-1.7% QoQ
|
+3.2% |
68.1%
-1.7% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.7%
-0.1% YoY+5.8% QoQ
|
+0.1 |
0.6%
-2.2% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
65% |
| Loan To Share |
93.9%
-1.2% YoY+0.8% QoQ
|
+10.3% |
83.6%
-5.7% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$32,883
+0.5% YoY-1.2% QoQ
|
$-2K |
$34,398
+4.0% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
59% |
| CD Concentration |
21.9%
-6.1% YoY-2.1% QoQ
|
-6.9% |
28.9%
-1.3% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
22% |
| Indirect Auto % |
32.1%
-9.0% YoY-3.2% QoQ
|
+15.5% |
16.6%
-10.3% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Top 14.1% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)