BlastPoint's Credit Union Scorecard
RESOURCE ONE
Charter #68439 · TX
RESOURCE ONE has 2 strengths but faces 17 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.54% above tier average
- + Total Members: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 1.2% in tier
- - Accelerating Exit Risk: Bottom 7.2% in tier
- - Institutional Decline: Bottom 9.4% in tier
- - Membership Headwinds: Bottom 27.1% in tier
- - Stagnation Risk: Bottom 33.0% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 0.66% above tier (higher cost structure)
- - Delinquency rate 1.09% above tier average
- - Asset Growth Rate: Bottom 0.6% in tier
- - Deposit Growth Rate: Bottom 0.6% in tier
- - Average Member Relationship (AMR): Bottom 2.4% in tier
- - AMR Growth Rate: Bottom 3.0% in tier
- - Net Worth Ratio: Bottom 3.0% in tier
- - Loan Growth Rate: Bottom 3.6% in tier
- - Net Charge-Off Rate: Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
72,244
-1.2% YoY+0.4% QoQ
|
+32.5K |
39,752
-2.7% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 2.4% in tier |
| Assets |
$662.8M
-15.7% YoY-4.4% QoQ
|
+$40.5M |
$622.4M
+0.3% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
67% |
| Loans |
$507.0M
-14.4% YoY-3.5% QoQ
|
+$71.1M |
$435.9M
-0.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$611.2M
-16.7% YoY-4.8% QoQ
|
+$73.2M |
$538.0M
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
0.2%
+26.5% YoY-34.6% QoQ
|
-0.4% |
0.7%
+33.9% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
4.0%
+19.4% YoY+2.7% QoQ
|
+0.5% |
3.4%
+8.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 13.0% in tier |
| Efficiency Ratio |
78.8%
-7.8% YoY-2.5% QoQ
|
+0.7% |
78.1%
-3.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
53% |
| Delinquency Rate |
1.9%
-10.4% YoY+29.6% QoQ
|
+1.1 |
0.8%
-4.9% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 5.3% in tier |
| Loan To Share |
83.0%
+2.7% YoY+1.4% QoQ
|
+1.9% |
81.0%
-1.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
49% |
| AMR |
$15,479
-14.7% YoY-4.7% QoQ
|
$-11K |
$26,482
+2.6% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.8% in tier |
| CD Concentration |
19.6%
-33.0% YoY+6.5% QoQ
|
-4.8% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
34% |
| Indirect Auto % |
8.4%
-57.5% YoY-7.6% QoQ
|
-5.6% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
51% |
Signature Analysis
Strengths (0)
Concerns (5)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)