BlastPoint's Credit Union Scorecard
FIVEPOINT
Charter #68643 · TX
FIVEPOINT has 6 strengths but faces 7 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
- + Organic Growth Engine: Top 22.5% in tier
- + Wallet Share Momentum: Top 54.8% in tier
- + Emerging Performer: Top 77.5% in tier
- + Net Interest Margin 0.31% above tier average
- + Fee Income Per Member: Top 3.3% in tier
- + Asset Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.4% in tier
- - Credit Quality Pressure: Bottom 9.8% in tier
- - Indirect Auto Dependency: Bottom 10.5% in tier
- - ROA 0.04% below tier average
- - Efficiency ratio 3.48% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 8.2% in tier
- - Total Assets: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
56,964
+3.4% YoY+1.5% QoQ
|
-41.7K |
98,678
-1.9% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 11.2% in tier |
| Assets |
$1.1B
+11.2% YoY+3.1% QoQ
|
$-640.0M |
$1.7B
+0.5% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.2% in tier |
| Loans |
$849.6M
+11.2% YoY+4.3% QoQ
|
$-383.5M |
$1.2B
+0.5% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$967.2M
+11.1% YoY+3.2% QoQ
|
$-487.1M |
$1.5B
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
16% |
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| ROA |
0.7%
+162.3% YoY-15.9% QoQ
|
-0.0% |
0.7%
+13.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
50% |
| NIM |
3.6%
+10.8% YoY-0.6% QoQ
|
+0.3% |
3.3%
+9.3% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
77.4%
-7.6% YoY+1.9% QoQ
|
+3.5% |
74.0%
-10.9% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.7%
+33.3% YoY+53.0% QoQ
|
-0.1 |
0.8%
+6.1% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
53% |
| Loan To Share |
87.8%
+0.1% YoY+1.0% QoQ
|
+2.6% |
85.2%
-0.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
49% |
| AMR |
$31,894
+7.4% YoY+2.1% QoQ
|
+$3K |
$29,172
+2.8% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
72% |
| CD Concentration |
32.9%
+19.1% YoY+7.6% QoQ
|
+3.9% |
29.0%
+0.7% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
70% |
| Indirect Auto % |
23.7%
+3.6% YoY+2.6% QoQ
|
+4.9% |
18.8%
-3.0% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
66% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)