BlastPoint's Credit Union Scorecard
RALLY
Charter #68615 · TX
RALLY has 9 strengths but faces 7 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 40.6% in tier
- + ROA 0.32% above tier average
- + Net Interest Margin 0.60% above tier average
- + Total Loans: Top 0.0% in tier
- + Efficiency Ratio: Top 2.6% in tier
- + Fee Income Per Member: Top 5.3% in tier
- + Net Worth Ratio: Top 7.9% in tier
- + Total Assets: Top 7.9% in tier
- + Loan-to-Share Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 19.4% in tier
- - Indirect Auto Dependency: Bottom 35.9% in tier
- - Credit Quality Pressure: Bottom 55.7% in tier
- - Credit Risk Growth: Bottom 68.7% in tier
- - Delinquency rate 0.08% above tier average
- - Indirect Auto Concentration (%): Bottom 5.3% in tier
- - Share Certificate Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
238,742
+4.4% YoY+1.2% QoQ
|
+8.4K |
230,353
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$4.7B
+4.7% YoY+1.1% QoQ
|
+$772.1M |
$3.9B
+0.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 9.2% in tier |
| Loans |
$4.1B
+5.0% YoY+1.4% QoQ
|
+$1.2B |
$2.9B
-0.2% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 1.3% in tier |
| Deposits |
$3.9B
+4.8% YoY+0.6% QoQ
|
+$626.3M |
$3.3B
-0.3% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 13.2% in tier |
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| ROA |
1.0%
+72.7% YoY+10.3% QoQ
|
+0.3% |
0.7%
+16.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
3.7%
+12.5% YoY+1.3% QoQ
|
+0.6% |
3.1%
+9.8% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
57.6%
-4.3% YoY-1.2% QoQ
|
-13.8% |
71.4%
-1.4% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate |
1.0%
+13.4% YoY+18.4% QoQ
|
+0.1 |
0.9%
+5.8% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
105.1%
+0.2% YoY+0.9% QoQ
|
+16.2% |
88.9%
-0.2% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 9.2% in tier |
| AMR |
$33,830
+0.4% YoY-0.2% QoQ
|
+$4K |
$29,682
+1.5% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
44.7%
-2.2% YoY-0.2% QoQ
|
+15.6% | 29.0% | 21.2% | 19.8% | Top 5.6% in tier |
| Indirect Auto % |
48.3%
-2.6% YoY-1.4% QoQ
|
+30.0% | 18.3% | 7.1% | 7.8% | Top 5.3% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)