BlastPoint's Credit Union Scorecard
UNION SQUARE
Charter #68664 · TX
UNION SQUARE has 1 strength but faces 12 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.27% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 7.8% in tier
- - Credit Quality Pressure: Bottom 10.5% in tier
- - Institutional Decline: Bottom 12.1% in tier
- - Membership Headwinds: Bottom 40.3% in tier
- - Indirect Auto Dependency: Bottom 72.3% in tier
- - Efficiency Drag: Bottom 84.9% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 6.83% above tier (higher cost structure)
- - Delinquency rate 0.83% above tier average
- - Member decline: -3.4% YoY
- - Loan Growth Rate: Bottom 6.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,361
-3.4% YoY-0.7% QoQ
|
-3.2K |
38,575
-4.8% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$597.5M
+1.2% YoY-1.2% QoQ
|
$-24.2M |
$621.7M
+0.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$432.4M
-8.5% YoY-0.9% QoQ
|
+$2.6M |
$429.8M
-1.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$546.3M
+0.9% YoY-1.4% QoQ
|
+$7.6M |
$538.7M
+0.6% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
56% |
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| ROA |
0.2%
-134.1% YoY+126.2% QoQ
|
-0.5% |
0.7%
+42.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.3% in tier |
| NIM |
3.7%
+12.2% YoY+2.6% QoQ
|
+0.3% |
3.4%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
84.3%
-12.7% YoY-2.4% QoQ
|
+6.8% |
77.5%
-4.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
1.7%
+75.4% YoY+50.0% QoQ
|
+0.8 |
0.8%
-1.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 9.1% in tier |
| Loan To Share |
79.2%
-9.3% YoY+0.5% QoQ
|
-0.7% |
79.8%
-2.3% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$27,676
-0.1% YoY-0.5% QoQ
|
+$827 |
$26,849
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
25.8%
-2.2% YoY-2.1% QoQ
|
+1.4% | 24.4% | 21.2% | 19.8% | 55% |
| Indirect Auto % |
24.6%
-13.2% YoY-2.5% QoQ
|
+10.8% | 13.8% | 7.1% | 7.8% | 77% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)