BlastPoint's Credit Union Scorecard
FORT WORTH COMMUNITY
Charter #68471 · TX
FORT WORTH COMMUNITY has 2 strengths but faces 10 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 53.3% in tier
- + ROA 0.12% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 11.9% in tier
- - Indirect Auto Dependency: Bottom 16.9% in tier
- - Membership Headwinds: Bottom 21.4% in tier
- - Institutional Decline: Bottom 41.4% in tier
- - Member decline: -6.3% YoY
- - Loan-to-Share Ratio: Bottom 3.0% in tier
- - Total Loans: Bottom 4.3% in tier
- - Loan Growth Rate: Bottom 5.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.6% in tier
- - Member Growth Rate: Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,598
-6.3% YoY-0.3% QoQ
|
-22.8K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$1.3B
+5.1% YoY+0.7% QoQ
|
$-436.7M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
29% |
| Loans |
$617.5M
-5.4% YoY-1.1% QoQ
|
$-616.9M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.0% in tier |
| Deposits |
$1.1B
+4.8% YoY+0.5% QoQ
|
$-316.7M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
0.8%
+2.4% YoY-1.2% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
3.0%
-2.8% YoY+0.3% QoQ
|
-0.3% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
69.1%
-0.2% YoY-0.0% QoQ
|
-4.9% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.6%
-25.8% YoY-20.5% QoQ
|
-0.3 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
54.0%
-9.7% YoY-1.6% QoQ
|
-30.7% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.6% in tier |
| AMR |
$23,596
+7.8% YoY+0.2% QoQ
|
$-6K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
32.9%
+11.9% YoY+0.1% QoQ
|
+3.9% | 29.0% | 21.2% | 19.8% | 69% |
| Indirect Auto % |
39.5%
-13.5% YoY-3.9% QoQ
|
+21.2% | 18.3% | 7.1% | 7.8% | Top 11.2% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)