BlastPoint's Credit Union Scorecard
LIGHT COMMERCE
Charter #68529 · TX
LIGHT COMMERCE has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.47% above tier average
- + Net Interest Margin 0.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 0.5% in tier
- + Deposit Growth Rate: Top 0.5% in tier
- + Fee Income Per Member: Top 1.4% in tier
- + AMR Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.04% above tier average
- - Member decline: -2.3% YoY
- - Loan Growth Rate: Bottom 2.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
819
-2.3% YoY-3.0% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$6.8M
+38.0% YoY+12.7% QoQ
|
$-23.3M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$2.4M
-30.0% YoY-4.8% QoQ
|
$-13.4M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$5.4M
+40.7% YoY+17.6% QoQ
|
$-20.3M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
3.1%
+28.6% YoY+5.6% QoQ
|
+2.5% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 1.4% in tier |
| NIM |
4.0%
-20.1% YoY-5.2% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
61.1%
-0.1% YoY-5.9% QoQ
|
-21.5% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate |
1.6%
+117.9% YoY+21.9% QoQ
|
+0.0 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
44.0%
-50.2% YoY-19.0% QoQ
|
-16.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$9,416
+10.0% YoY+13.1% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
27.8%
-13.4% YoY-13.1% QoQ
|
+3.3% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)