BlastPoint's Credit Union Scorecard
FIVEPOINT
Charter #68643 · TX
FIVEPOINT has 7 strengths but faces 5 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 55.7% in tier
- + Organic Growth Engine: Top 57.3% in tier
- + Emerging Performer: Top 61.8% in tier
- + ROA 0.10% above tier average
- + Net Interest Margin 0.28% above tier average
- + Fee Income Per Member: Top 2.3% in tier
- + Asset Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13.5% in tier
- - Indirect Auto Dependency: Bottom 33.3% in tier
- - Credit Quality Pressure: Bottom 42.4% in tier
- - Efficiency ratio 0.52% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
57,542
+3.7% YoY+1.0% QoQ
|
-39.9K |
97,431
-2.4% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 11.9% in tier |
| Assets |
$1.1B
+12.5% YoY+2.9% QoQ
|
$-612.3M |
$1.7B
+0.9% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.6% in tier |
| Loans |
$862.8M
+11.4% YoY+1.6% QoQ
|
$-371.6M |
$1.2B
+0.5% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$995.9M
+11.9% YoY+3.0% QoQ
|
$-463.4M |
$1.5B
+0.9% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
0.8%
+170.8% YoY+17.9% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
3.6%
+8.9% YoY-0.5% QoQ
|
+0.3% |
3.3%
+9.2% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
74.6%
-10.0% YoY-3.7% QoQ
|
+0.5% |
74.1%
-9.5% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.8%
+26.6% YoY+4.5% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
86.6%
-0.4% YoY-1.4% QoQ
|
+1.8% |
84.8%
-0.8% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$32,303
+7.7% YoY+1.3% QoQ
|
+$3K |
$29,428
+2.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
33.0%
+21.9% YoY+0.5% QoQ
|
+4.0% | 29.0% | 21.2% | 19.8% | 70% |
| Indirect Auto % |
23.6%
+2.0% YoY-0.6% QoQ
|
+5.2% | 18.3% | 7.1% | 7.8% | 67% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
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)