BlastPoint's Credit Union Scorecard
LIGHT COMMERCE
Charter #68529 · TX
LIGHT COMMERCE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.58% above tier average
- + Net Interest Margin 0.55% above tier average
- + Fee Income Per Member: Top 2.8% in tier
- + Net Charge-Off Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.11% above tier average
- - Member decline: -3.8% YoY
- - Loan Growth Rate: Bottom 3.5% in tier
- - AMR Growth Rate: Bottom 7.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
808
-3.8% YoY-1.3% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$5.2M
-2.2% YoY-23.3% QoQ
|
$-25.0M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$2.3M
-26.0% YoY-0.9% QoQ
|
$-12.9M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$3.7M
-2.9% YoY-30.4% QoQ
|
$-22.1M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
2.7%
-26.2% YoY-11.8% QoQ
|
+2.6% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 2.7% in tier |
| NIM |
4.6%
-3.6% YoY+15.0% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
70.1%
+5.1% YoY+14.7% QoQ
|
-20.5% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
26% |
| Delinquency Rate |
1.6%
+157.8% YoY+1.6% QoQ
|
+0.1 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
76% |
| Loan To Share |
62.6%
-23.8% YoY+42.3% QoQ
|
+4.1% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
56% |
| AMR |
$7,505
-9.9% YoY-20.3% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
18.9%
-40.1% YoY-31.7% QoQ
|
-5.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)