BlastPoint's Credit Union Scorecard

LONE STAR

Charter #68449 · TX

100M-500M

1069 CUs in 100M-500M nationally 79 in TX

LONE STAR has 2 strengths but faces 4 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.54% below tier average
- Efficiency ratio 8.53% above tier (higher cost structure)
- Net Worth Ratio: Bottom 9.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	11,802 +4.0% YoY+0.9% QoQ	-3.6K	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	42%
Assets	$189.2M +6.1% YoY-0.5% QoQ	$-42.6M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	48%
Loans	$126.1M +1.0% YoY+2.3% QoQ	$-21.3M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	51%
Deposits	$171.1M +6.2% YoY-0.6% QoQ	$-29.7M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	50%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% -51.4% YoY-4.4% QoQ	-0.5%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	Bottom 13.5% in tier
NIM	3.5% +0.2% YoY+0.9% QoQ	-0.1%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	42%
Efficiency Ratio	85.5% +5.0% YoY-1.8% QoQ	+8.5%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	79%
Delinquency Rate	0.6% -18.1% YoY+70.2% QoQ	-0.3	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	39%
Loan To Share	73.7% -4.9% YoY+2.9% QoQ	+1.4%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	50%
AMR	$25,183 -0.1% YoY-0.2% QoQ	+$506	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	64%
CD Concentration	33.2% +10.9% YoY-1.1% QoQ	+8.8%	24.4%	21.2%	19.8%	50%
Indirect Auto %	0.8% -39.0% YoY-14.4% QoQ	-13.0%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#126 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.03%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.77%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#396 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.03%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.22%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.77%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#347 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.55%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.23% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 4.03%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (2 metrics)

148

Member Growth Rate

growth

Value: 4.03%

Peer Median: -

#148 of 1069 Top 13.8% in 100M-500M tier

150

Fee Income Per Member

profitability

Value: $248.86

Peer Median: -

#150 of 1069 Top 13.9% in 100M-500M tier

Top Weaknesses (6 metrics)

973

Net Worth Ratio

risk

Value: 8.64%

Peer Median: -

#973 of 1069 Bottom 9.1% in 100M-500M tier

925

Return on Assets (ROA)

profitability

Value: 0.22%

Peer Median: -

#925 of 1069 Bottom 13.6% in 100M-500M tier

903

Net Charge-Off Rate

risk

Value: 0.80%

Peer Median: -

#903 of 1069 Bottom 15.6% in 100M-500M tier

874

AMR Growth Rate

growth

Value: -0.08%

Peer Median: -

#874 of 1069 Bottom 18.3% in 100M-500M tier

860

Share Certificate Concentration (%)

balance_sheet

Value: 33.19%

Peer Median: -

#860 of 1069 Bottom 19.6% in 100M-500M tier

850

Efficiency Ratio

profitability

Value: 85.55%

Peer Median: -

#850 of 1069 Bottom 20.6% in 100M-500M tier