BlastPoint's Credit Union Scorecard
RESOURCE ONE
Charter #68439 · TX
RESOURCE ONE has 6 strengths but faces 8 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
- + ROA 2.18% above tier average
- + Net Interest Margin 0.40% above tier average
- + Fee Income Per Member: Top 1.2% in tier
- + Total Members: Top 1.8% in tier
- + Share Certificate Concentration (%): Top 6.7% in tier
- + Efficiency Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.7% in tier
- - Institutional Decline: Bottom 18.0% in tier
- - Accelerating Exit Risk: Bottom 98.3% in tier
- - Stagnation Risk: Bottom 98.3% in tier
- - Membership Headwinds: Bottom 98.3% in tier
- - Shrinking Wallet Share: Bottom 99.2% in tier
- - Delinquency rate 1.52% above tier average
- - Member decline: -12.6% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 16 that size in Texas.
- Shares and deposits -22.9% year over year ($495M in shares and deposits).
- Membership: 62,847 members, -12.6% vs a year ago.
- Delinquency rate 2.33%.
- Return on assets 3.00%.
- Efficiency ratio 60.91% vs a 76.56% peer average.
- Loan-to-share ratio 83.35% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
62,847
-12.6% YoY-11.4% QoQ
|
+24.9K |
37,897
-5.0% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 2.4% in tier |
| Assets |
$555.2M
-19.9% YoY-15.1% QoQ
|
$-67.2M |
$622.4M
+0.6% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$412.7M
-21.5% YoY-13.7% QoQ
|
$-15.8M |
$428.5M
-0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$495.2M
-22.9% YoY-17.7% QoQ
|
$-44.6M |
$539.8M
+0.9% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
3.0%
+760.1% YoY+412.3% QoQ
|
+2.2% |
0.8%
+39.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 0.6% in tier |
| NIM |
3.9%
+1.5% YoY+6.8% QoQ
|
+0.4% |
3.5%
+5.0% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
60.9%
-24.6% YoY-29.8% QoQ
|
-15.6% |
76.6%
-3.6% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 7.3% in tier |
| Delinquency Rate |
2.3%
+59.5% YoY+48.9% QoQ
|
+1.5 |
0.8%
+3.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.4% in tier |
| Loan To Share |
83.3%
+1.9% YoY+4.9% QoQ
|
+4.0% |
79.3%
-1.4% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
53% |
| AMR |
$14,446
-11.0% YoY-5.1% QoQ
|
$-13K |
$27,294
+4.1% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 0.6% in tier |
| CD Concentration |
15.8%
-13.9% YoY-10.2% QoQ
|
-8.7% | 24.6% | 21.6% | 20.0% | 20% |
| Indirect Auto % |
7.9%
-12.8% YoY+7.0% QoQ
|
-5.7% | 13.6% | 6.9% | 7.7% | 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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)