BlastPoint's Credit Union Scorecard
RESOURCE ONE
Charter #68439 · TX
RESOURCE ONE has 2 strengths but faces 19 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.61% above tier average
- + Total Members: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 5.5% in tier
- - Stagnation Risk: Bottom 6.0% in tier
- - Institutional Decline: Bottom 6.7% in tier
- - Shrinking Wallet Share: Bottom 7.2% in tier
- - Membership Headwinds: Bottom 44.7% in tier
- - Credit Quality Pressure: Bottom 95.7% in tier
- - ROA 0.50% below tier average
- - Efficiency ratio 1.23% above tier (higher cost structure)
- - Delinquency rate 1.26% above tier average
- - Member decline: -3.1% YoY
- - Asset Growth Rate: Bottom 0.6% in tier
- - Deposit Growth Rate: Bottom 0.6% in tier
- - Loan Growth Rate: Bottom 1.8% in tier
- - Average Member Relationship (AMR): Bottom 1.8% in tier
- - AMR Growth Rate: Bottom 2.4% in tier
- - Net Charge-Off Rate: Bottom 2.4% in tier
- - Net Worth Ratio: Bottom 3.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
71,306
-3.1% YoY-1.3% QoQ
|
+32.7K |
38,575
-4.8% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 1.8% in tier |
| Assets |
$655.7M
-13.6% YoY-1.1% QoQ
|
+$33.9M |
$621.7M
+0.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$485.3M
-15.5% YoY-4.3% QoQ
|
+$55.5M |
$429.8M
-1.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$604.3M
-14.6% YoY-1.1% QoQ
|
+$65.6M |
$538.7M
+0.6% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.2%
-256.1% YoY-29.7% QoQ
|
-0.5% |
0.7%
+42.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.5% in tier |
| NIM |
4.1%
+19.2% YoY+2.1% QoQ
|
+0.6% |
3.4%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 12.1% in tier |
| Efficiency Ratio |
78.7%
-10.0% YoY-0.0% QoQ
|
+1.2% |
77.5%
-4.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
2.1%
+0.7% YoY+11.4% QoQ
|
+1.3 |
0.8%
-1.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 4.8% in tier |
| Loan To Share |
80.3%
-1.1% YoY-3.2% QoQ
|
+0.5% |
79.8%
-2.3% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$15,281
-12.3% YoY-1.3% QoQ
|
$-12K |
$26,849
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.2% in tier |
| CD Concentration |
19.5%
-34.7% YoY-0.6% QoQ
|
-4.9% | 24.4% | 21.2% | 19.8% | 33% |
| Indirect Auto % |
8.0%
-59.6% YoY-5.2% QoQ
|
-5.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)