BlastPoint's Credit Union Scorecard
FORT WORTH COMMUNITY
Charter #68471 · TX
FORT WORTH COMMUNITY has 4 strengths but faces 12 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
- + Wallet Share Momentum: Top 29.6% in tier
- + ROA 0.11% above tier average
- + First Mortgage Concentration (%): Top 8.9% in tier
- + AMR Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.3% in tier
- - Stagnation Risk: Bottom 4.2% in tier
- - Institutional Decline: Bottom 4.9% in tier
- - Membership Headwinds: Bottom 6.7% in tier
- - Credit Quality Pressure: Bottom 14.0% in tier
- - Member decline: -7.4% YoY
- - Loan-to-Share Ratio: Bottom 3.3% in tier
- - Total Loans: Bottom 3.9% in tier
- - Loan Growth Rate: Bottom 4.9% in tier
- - Member Growth Rate: Bottom 6.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.2% in tier
- - Indirect Auto Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,799
-7.4% YoY-0.5% QoQ
|
-23.9K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$1.3B
+6.8% YoY+0.3% QoQ
|
$-441.5M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
29% |
| Loans |
$624.3M
-6.6% YoY-2.7% QoQ
|
$-608.8M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.6% in tier |
| Deposits |
$1.1B
+6.5% YoY+0.3% QoQ
|
$-317.7M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
0.8%
+4.3% YoY-7.6% QoQ
|
+0.1% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
64% |
| NIM |
3.0%
-3.5% YoY-0.0% QoQ
|
-0.3% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
69.1%
-1.1% YoY+1.3% QoQ
|
-4.8% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.8%
+19.1% YoY+19.2% QoQ
|
-0.0 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
54.9%
-12.4% YoY-3.0% QoQ
|
-30.3% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.0% in tier |
| AMR |
$23,542
+9.6% YoY-0.3% QoQ
|
$-6K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
24% |
| CD Concentration |
32.9%
+17.9% YoY+3.3% QoQ
|
+3.9% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
69% |
| Indirect Auto % |
41.2%
-13.5% YoY-4.7% QoQ
|
+22.4% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Top 10.3% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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.
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)