BlastPoint's Credit Union Scorecard
RESOURCE ONE
Charter #68439 · TX
RESOURCE ONE has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.21% above tier average
- + Total Members: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.1% in tier
- - Institutional Decline: Bottom 13.3% in tier
- - Efficiency Drag: Bottom 22.0% in tier
- - Stagnation Risk: Bottom 79.5% in tier
- - Accelerating Exit Risk: Bottom 79.5% in tier
- - Membership Headwinds: Bottom 79.5% in tier
- - Shrinking Wallet Share: Bottom 97.5% in tier
- - ROA 0.10% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70,924
-2.9% YoY-0.5% QoQ
|
+32.8K |
38,079
-4.8% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 1.8% in tier |
| Assets |
$654.0M
-6.9% YoY-0.3% QoQ
|
+$34.3M |
$619.7M
-0.2% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
63% |
| Loans |
$478.2M
-13.5% YoY-1.5% QoQ
|
+$58.8M |
$419.3M
-1.4% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
73% |
| Deposits |
$602.0M
-7.6% YoY-0.4% QoQ
|
+$62.5M |
$539.5M
-0.1% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
79% |
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| ROA |
0.6%
+581.4% YoY+264.9% QoQ
|
-0.1% |
0.7%
+36.0% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
47% |
| NIM |
3.7%
+2.1% YoY-9.3% QoQ
|
+0.2% |
3.5%
+4.5% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
71% |
| Efficiency Ratio |
86.8%
+5.8% YoY+10.3% QoQ
|
+8.4% |
78.4%
-3.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
79% |
| Delinquency Rate |
1.6%
+54.6% YoY-25.8% QoQ
|
+0.9 |
0.7%
-0.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.8% in tier |
| Loan To Share |
79.4%
-6.4% YoY-1.1% QoQ
|
+1.8% |
77.7%
-1.2% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
47% |
| AMR |
$15,230
-7.7% YoY-0.3% QoQ
|
$-12K |
$26,927
+3.1% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.2% in tier |
| CD Concentration |
17.6%
+1.2% YoY-9.4% QoQ
|
-6.6% | 24.3% | 21.3% | 19.8% | 26% |
| Indirect Auto % |
7.4%
-61.6% YoY-7.0% QoQ
|
-6.4% | 13.8% | 6.9% | 7.7% | 49% |
Signature Analysis
Strengths (0)
Concerns (7)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)