BlastPoint's Credit Union Scorecard

UNION SQUARE

Charter #68664 · TX

Community 500M-750M

165 CUs in 500M-750M nationally 16 in TX

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UNION SQUARE has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.13% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.2% in tier
- Institutional Decline: Bottom 16.0% in tier
- Efficiency Drag: Bottom 26.7% in tier
- Stagnation Risk: Bottom 90.4% in tier
- Membership Headwinds: Bottom 90.4% in tier
- Indirect Auto Dependency: Bottom 92.1% in tier
- Flatlined Growth: Bottom 92.1% in tier
- ROA 0.46% below tier average

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 165 credit unions with $500M-$750M in assets nationally, and 1 of 16 that size in Texas.
Shares and deposits -2.5% year over year ($550M in shares and deposits).
Membership: 34,065 members, -5.0% vs a year ago.
Delinquency rate 2.69%.
Return on assets 0.36%.
Efficiency ratio 83.79% vs a 76.56% peer average.
Loan-to-share ratio 79.43% vs a 79.33% 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	34,065 -5.0% YoY-3.7% QoQ	-3.8K	37,897 -5.0% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	38%
Assets	$601.3M -2.0% YoY+0.3% QoQ	$-21.1M	$622.4M +0.6% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	42%
Loans	$437.1M -2.4% YoY-0.0% QoQ	+$8.6M	$428.5M -0.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	53%
Deposits	$550.3M -2.5% YoY+0.2% QoQ	+$10.6M	$539.8M +0.9% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	57%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -361.5% YoY+139.2% QoQ	-0.5%	0.8% +39.5% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	20%
NIM	3.7% +2.7% YoY+1.2% QoQ	+0.1%	3.5% +5.0% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	66%
Efficiency Ratio	83.8% -5.4% YoY+2.1% QoQ	+7.2%	76.6% -3.6% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	77%
Delinquency Rate	2.7% +173.2% YoY+1.9% QoQ	+1.9	0.8% +3.1% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	Bottom 1.8% in tier
Loan To Share	79.4% +0.1% YoY-0.2% QoQ	+0.1%	79.3% -1.4% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	42%
AMR	$28,988 +2.7% YoY+3.9% QoQ	+$2K	$27,294 +4.1% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	70%
CD Concentration	26.2% -3.5% YoY-0.2% QoQ	+1.7%	24.6%	21.6%	20.0%	58%
Indirect Auto %	25.5% -3.7% YoY+2.8% QoQ	+11.9%	13.6%	6.9%	7.7%	78%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Credit Quality Pressure

risk

#15 of 693 • Bottom 1.2% in tier

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

Why This Signature

Delinquency Change (YoY): 1.70% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Stagnation Risk

risk

#40 of 549 • Bottom 90.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.98%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.39%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 2.69%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#125 of 549 • Bottom 90.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.98%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#58 of 230 • Bottom 16.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $601.30M

(Tier: $336.17M, National: $593.11M)

but better than tier avg

Member Growth (YoY): -4.98%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -2.39%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 276 Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY

Indirect Auto Dependency

risk

#376 of 476 • Bottom 92.1% in tier

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

Why This Signature

Asset Growth (YoY): -1.99%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 25.50%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -4.98%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Flatlined Growth

risk

#35 of 42 • Bottom 92.1% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -1.99%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Return on Assets: 0.36%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

42 of 276 Community CUs have this signature | 57 nationally

→ Stable (46→42 CUs) -4 CUs YoY | New qualifier

Efficiency Drag

risk

#487 of 531 • Bottom 26.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.79%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.50% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -4.98%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 165 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (11 metrics)

163

Total Delinquency Rate (60+ days)

risk

Value: 2.69%

Peer Median: 0.70%

#163 of 165 Bottom 1.8% in 500M-750M tier

157

Members Per Employee (MPE)

engagement

Value: 225.596

Peer Median: 313.721

#157 of 165 Bottom 5.5% in 500M-750M tier

153

Member Growth Rate

growth

Value: -4.98%

Peer Median: 0.59%

#153 of 165 Bottom 7.9% in 500M-750M tier

152

Deposit Growth Rate

growth

Value: -2.53%

Peer Median: 4.04%

#152 of 165 Bottom 8.5% in 500M-750M tier

151

Asset Growth Rate

growth

Value: -1.99%

Peer Median: 4.61%

#151 of 165 Bottom 9.1% in 500M-750M tier

149

Net Worth Ratio

risk

Value: 8.36%

Peer Median: 10.42%

#149 of 165 Bottom 10.3% in 500M-750M tier

140

Loan Growth Rate

growth

Value: -2.39%

Peer Median: 4.82%

#140 of 165 Bottom 15.8% in 500M-750M tier

137

First Mortgage Concentration (%)

balance_sheet

Value: 46.80%

Peer Median: 34.05%

#137 of 165 Bottom 17.6% in 500M-750M tier

132

Return on Assets (ROA)

profitability

Value: 0.36%

Peer Median: 0.74%

#132 of 165 Bottom 20.6% in 500M-750M tier

130

Indirect Auto Concentration (%)

balance_sheet

Value: 25.50%

Peer Median: 9.93%

#130 of 165 Bottom 21.8% in 500M-750M tier