BlastPoint's Credit Union Scorecard
FIVEPOINT
Charter #68643 · TX
FIVEPOINT has 3 strengths but faces 6 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 24.2% in tier
- + Net Interest Margin 0.19% above tier average
- + Fee Income Per Member: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 16.4% in tier
- - Indirect Auto Dependency: Bottom 20.0% in tier
- - Credit Risk Growth: Bottom 21.3% in tier
- - Credit Quality Pressure: Bottom 30.5% in tier
- - ROA 0.72% below tier average
- - Efficiency ratio 8.22% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,218
+3.5% YoY+1.2% QoQ
|
-37.8K |
96,048
-2.7% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 12.7% in tier |
| Assets |
$1.1B
+9.3% YoY+1.0% QoQ
|
$-598.0M |
$1.7B
+0.4% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.4% in tier |
| Loans |
$869.8M
+10.6% YoY+0.8% QoQ
|
$-343.9M |
$1.2B
+0.2% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$1.0B
+9.1% YoY+1.3% QoQ
|
$-456.5M |
$1.5B
+0.5% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
-0.0%
-101.3% YoY-100.6% QoQ
|
-0.7% |
0.7%
+27.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.9% in tier |
| NIM |
3.5%
+1.6% YoY-0.4% QoQ
|
+0.2% |
3.4%
+6.2% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
62% |
| Efficiency Ratio |
82.8%
-0.5% YoY+11.1% QoQ
|
+8.2% |
74.6%
-3.0% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
0.6%
+21.9% YoY-18.8% QoQ
|
-0.1 |
0.8%
+6.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
48% |
| Loan To Share |
86.2%
+1.4% YoY-0.5% QoQ
|
+3.0% |
83.2%
-0.4% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$32,272
+6.1% YoY-0.1% QoQ
|
+$3K |
$29,652
+2.3% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
72% |
| CD Concentration |
34.4%
+19.0% YoY+4.0% QoQ
|
+5.5% | 28.8% | 21.3% | 19.8% | 75% |
| Indirect Auto % |
23.4%
+0.4% YoY-0.5% QoQ
|
+5.4% | 18.1% | 6.9% | 7.7% | 67% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)