BlastPoint's Credit Union Scorecard
FORT WORTH COMMUNITY
Charter #68471 · TX
FORT WORTH COMMUNITY has 1 strength 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
- + Wallet Share Momentum: Top 21.8% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 8.9% in tier
- - Credit Quality Pressure: Bottom 47.9% in tier
- - Indirect Auto Dependency: Bottom 70.3% in tier
- - Institutional Decline: Bottom 76.5% in tier
- - Stagnation Risk: Bottom 96.1% in tier
- - Membership Headwinds: Bottom 96.1% in tier
- - ROA 0.16% below tier average
- - Member decline: -6.6% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,260
-6.6% YoY-0.5% QoQ
|
-21.8K |
96,048
-2.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$1.3B
+3.0% YoY+0.8% QoQ
|
$-422.8M |
$1.7B
+0.4% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$608.5M
-5.8% YoY-1.5% QoQ
|
$-605.2M |
$1.2B
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.9% in tier |
| Deposits |
$1.1B
+2.5% YoY+0.5% QoQ
|
$-316.7M |
$1.5B
+0.5% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
0.6%
-45.0% YoY-30.6% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
40% |
| NIM |
2.9%
-3.5% YoY-3.4% QoQ
|
-0.5% |
3.4%
+6.2% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
17% |
| Efficiency Ratio |
74.4%
+8.2% YoY+7.6% QoQ
|
-0.2% |
74.6%
-3.0% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
47% |
| Delinquency Rate |
0.6%
+7.3% YoY-1.4% QoQ
|
-0.1 |
0.8%
+6.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
50% |
| Loan To Share |
53.0%
-8.1% YoY-2.0% QoQ
|
-30.2% |
83.2%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.6% in tier |
| AMR |
$23,664
+6.4% YoY+0.3% QoQ
|
$-6K |
$29,652
+2.3% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration |
32.3%
+5.3% YoY-2.0% QoQ
|
+3.4% | 28.8% | 21.3% | 19.8% | 66% |
| Indirect Auto % |
38.1%
-15.6% YoY-3.7% QoQ
|
+20.0% | 18.1% | 6.9% | 7.7% | Bottom 12.0% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)