BlastPoint's Credit Union Scorecard
FIVEPOINT
Charter #68643 · TX
FIVEPOINT has 2 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
- + Net Interest Margin 0.23% above tier average
- + Fee Income Per Member: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14.5% in tier
- - Credit Risk Growth: Bottom 30.4% in tier
- - Indirect Auto Dependency: Bottom 37.1% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 4.95% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 8.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits +7.2% year over year ($1.00B in shares and deposits).
- Membership: 58,059 members, +3.5% vs a year ago.
- Delinquency rate 0.76%.
- Return on assets 0.45%.
- Efficiency ratio 77.97% vs a 73.02% peer average.
- Loan-to-share ratio 88.54% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,059
+3.5% YoY-0.3% QoQ
|
-38.8K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Bottom 13.0% in tier |
| Assets |
$1.1B
+6.7% YoY-0.5% QoQ
|
$-607.7M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 12.3% in tier |
| Loans |
$889.0M
+9.1% YoY+2.2% QoQ
|
$-345.3M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$1.0B
+7.2% YoY-0.5% QoQ
|
$-459.4M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
0.5%
-42.9% YoY
|
-0.4% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
3.7%
+1.5% YoY+3.1% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
78.0%
+2.6% YoY-5.9% QoQ
|
+5.0% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
0.8%
+60.1% YoY+23.3% QoQ
|
-0.1 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
88.5%
+1.8% YoY+2.7% QoQ
|
+3.8% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$32,604
+4.4% YoY+1.0% QoQ
|
+$3K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
75% |
| CD Concentration |
35.2%
+15.2% YoY+2.4% QoQ
|
+6.1% | 29.1% | 21.6% | 20.0% | 76% |
| Indirect Auto % |
23.6%
+2.2% YoY+0.8% QoQ
|
+5.5% | 18.1% | 6.9% | 7.7% | 68% |
Signature Analysis
Strengths (0)
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)