BlastPoint's Credit Union Scorecard

FORT WORTH COMMUNITY

Charter #68471 · TX

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 27 in TX

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FORT WORTH COMMUNITY has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 14.0% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 5.1% in tier
- Institutional Decline: Bottom 77.1% in tier
- Indirect Auto Dependency: Bottom 85.2% in tier
- Stagnation Risk: Bottom 96.5% in tier
- Membership Headwinds: Bottom 96.5% in tier
- ROA 0.27% below tier average
- Efficiency ratio 2.54% above tier (higher cost structure)
- Member decline: -8.5% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
Shares and deposits -0.2% year over year ($1.13B in shares and deposits).
Membership: 68,768 members, -8.5% vs a year ago.
Delinquency rate 0.62%.
Return on assets 0.55%.
Efficiency ratio 75.56% vs a 73.02% peer average.
Loan-to-share ratio 55.17% vs a 84.71% 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	68,768 -8.5% YoY-7.4% QoQ	-28.1K	96,861 -1.9% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	25%
Assets	$1.3B +0.6% YoY-1.2% QoQ	$-442.6M	$1.7B +0.4% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	29%
Loans	$624.4M -2.7% YoY+2.6% QoQ	$-609.9M	$1.2B +0.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	Bottom 4.3% in tier
Deposits	$1.1B -0.2% YoY-1.5% QoQ	$-331.6M	$1.5B +0.5% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	33%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -37.5% YoY-1.4% QoQ	-0.3%	0.8% +27.6% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	28%
NIM	2.9% -0.5% YoY+2.7% QoQ	-0.5%	3.4% +6.6% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	17%
Efficiency Ratio	75.6% +10.7% YoY+1.6% QoQ	+2.5%	73.0% -2.7% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	60%
Delinquency Rate	0.6% -7.9% YoY-1.6% QoQ	-0.2	0.9% +7.3% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	43%
Loan To Share	55.2% -2.6% YoY+4.2% QoQ	-29.5%	84.7% +0.1% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	Bottom 4.3% in tier
AMR	$25,537 +8.2% YoY+7.9% QoQ	$-4K	$29,575 +1.5% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	33%
CD Concentration	32.3% +1.6% YoY+0.3% QoQ	+3.2%	29.1%	21.6%	20.0%	66%
Indirect Auto %	38.6% -10.7% YoY+1.3% QoQ	+20.5%	18.1%	6.9%	7.7%	Bottom 11.5% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#52 of 125 • Top 14.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.16%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank worsening

Concerns (5)

Stagnation Risk

risk

#13 of 86 • Bottom 96.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -8.54%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.70%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.62%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank worsening

Membership Headwinds

decline

#14 of 86 • Bottom 96.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -8.54%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY

Indirect Auto Dependency

risk

#73 of 193 • Bottom 85.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.56%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 38.60%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -8.54%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Institutional Decline

decline

#14 of 25 • Bottom 77.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $1.28B

(Tier: $2.16B, National: $593.11M)

worse than tier avg

Member Growth (YoY): -8.54%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.70%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

25 of 377 Mid-Market CUs have this signature | 261 nationally

↓ Shrinking -12 CUs YoY

Cost Spiral

risk

#6 of 8 • Bottom 5.1% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 7.30% points

(Tier: -1.92% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 68.26%

(Tier: 74.29%, National: 86.72%)

but better than tier avg

8 of 377 Mid-Market CUs have this signature | 106 nationally

↓ Shrinking -12 CUs YoY | New qualifier

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 300 peers in tier

Top Strengths (2 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 17.39%

Peer Median: 33.59%

#36 of 300 Top 11.7% in 1B-3B tier

AMR Growth Rate

growth

Value: 8.16%

Peer Median: 3.19%

#45 of 300 Top 14.7% in 1B-3B tier

Top Weaknesses (12 metrics)

289

Member Growth Rate

growth

Value: -8.54%

Peer Median: 1.84%

#289 of 300 Bottom 4.0% in 1B-3B tier

287

Total Loans

balance_sheet

Value: $624.36M

Peer Median: $1.14B

#287 of 300 Bottom 4.7% in 1B-3B tier

287

Loan-to-Share Ratio

balance_sheet

Value: 55.17%

Peer Median: 87.07%

#287 of 300 Bottom 4.7% in 1B-3B tier

276

Loan-to-Member Ratio (LMR)

engagement

Value: $9,079

Peer Median: $12,809

#276 of 300 Bottom 8.3% in 1B-3B tier

271

Loan Growth Rate

growth

Value: -2.70%

Peer Median: 5.71%

#271 of 300 Bottom 10.0% in 1B-3B tier

266

Indirect Auto Concentration (%)

balance_sheet

Value: 38.60%

Peer Median: 14.26%

#266 of 300 Bottom 11.7% in 1B-3B tier

263

Deposit Growth Rate

growth

Value: -0.15%

Peer Median: 4.79%

#263 of 300 Bottom 12.7% in 1B-3B tier

253

Asset Growth Rate

growth

Value: 0.56%

Peer Median: 5.21%

#253 of 300 Bottom 16.0% in 1B-3B tier

252

Fee Income Per Member

profitability

Value: $145.23

Peer Median: $204.73

#252 of 300 Bottom 16.3% in 1B-3B tier

249

Net Interest Margin (NIM)

profitability

Value: 2.94%

Peer Median: 3.46%

#249 of 300 Bottom 17.3% in 1B-3B tier