FIVEPOINT

Charter #68643 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

FIVEPOINT has 7 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 8.7% in tier
  • + Emerging Performer: Top 12.1% in tier
  • + Relationship Depth Leader: Top 12.9% in tier
  • + Organic Growth Engine: Top 22.5% 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

  • - Growth-at-Risk: 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
 Bottom 20.1% in tier
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
 Bottom 15.8% in tier
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
 50th in tier
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
 70th in tier
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
 62nd in tier
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
 53rd in tier
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
 49th in tier
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
 72nd in tier
CD Concentration 32.9%
+19.1% YoY+7.6% QoQ
 +3.9% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 69th in tier
Indirect Auto % 23.7%
+3.6% YoY+2.6% QoQ
 +4.9% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 66th in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#64 of 264 • Top 8.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.43%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Emerging Performer

growth
#65 of 184 • Top 12.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.66%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 3.44%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Relationship Depth Leader

growth
#94 of 264 • Top 12.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.43%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Engine

growth
#164 of 246 • Top 22.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.44%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.66%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 23.69%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Concerns (3)

Growth-at-Risk

risk
#20 of 161 • Bottom 3.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 11.16%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.18% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk
#76 of 217 • Bottom 9.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.18% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#66 of 202 • Bottom 10.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 11.18%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 23.69%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.44%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

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)

Comparing against 304 peers in tier

Top Strengths (5 metrics)

11
Fee Income Per Member
profitability
Value: $372.85
Peer Avg: $210.52
#11 of 304 Top 3.3% in 1B-3B tier
27
Asset Growth Rate
growth
Value: 11.18%
Peer Avg: 4.83%
#27 of 304 Top 8.6% in 1B-3B tier
36
Deposit Growth Rate
growth
Value: 11.10%
Peer Avg: 5.58%
#36 of 304 Top 11.5% in 1B-3B tier
48
Loan Growth Rate
growth
Value: 11.16%
Peer Avg: 5.27%
#48 of 304 Top 15.5% in 1B-3B tier
54
AMR Growth Rate
growth
Value: 7.43%
Peer Avg: 3.29%
#54 of 304 Top 17.4% in 1B-3B tier

Top Weaknesses (6 metrics)

280
Members Per Employee (MPE)
engagement
Value: 264.949
Peer Avg: 364.953
#280 of 304 Bottom 8.2% in 1B-3B tier
279
Total Assets
balance_sheet
Value: $1.08B
Peer Avg: $1.72B
#279 of 304 Bottom 8.6% in 1B-3B tier
271
Net Worth Ratio
risk
Value: 9.00%
Peer Avg: 11.44%
#271 of 304 Bottom 11.2% in 1B-3B tier
270
Total Members
engagement
Value: 56,964
Peer Avg: 98,678
#270 of 304 Bottom 11.5% in 1B-3B tier
256
Total Deposits
balance_sheet
Value: $967.25M
Peer Avg: $1.45B
#256 of 304 Bottom 16.1% in 1B-3B tier
243
Total Loans
balance_sheet
Value: $849.56M
Peer Avg: $1.23B
#243 of 304 Bottom 20.4% in 1B-3B tier