BlastPoint's Credit Union Scorecard

UNION SQUARE

Charter #68664 · TX

Community 500M-750M

167 CUs in 500M-750M nationally 14 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 0.15% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.5% in tier
- Institutional Decline: Bottom 15.9% in tier
- Efficiency Drag: Bottom 36.8% in tier
- Stagnation Risk: Bottom 84.8% in tier
- Membership Headwinds: Bottom 84.8% in tier
- Indirect Auto Dependency: Bottom 88.0% in tier
- ROA 0.54% below tier average
- Efficiency ratio 3.70% 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	35,371 -3.6% YoY+0.0% QoQ	-2.7K	38,079 -4.8% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	41%
Assets	$599.4M -0.9% YoY+0.3% QoQ	$-20.3M	$619.7M -0.2% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	41%
Loans	$437.2M -5.5% YoY+1.1% QoQ	+$17.8M	$419.3M -1.4% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	54%
Deposits	$549.3M -1.3% YoY+0.5% QoQ	+$9.8M	$539.5M -0.1% YoY	$378.7M +10.8% YoY	$494.3M +9.1% 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	0.2% -132.1% YoY-13.8% QoQ	-0.5%	0.7% +36.0% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 14.4% in tier
NIM	3.6% +1.4% YoY-2.8% QoQ	+0.1%	3.5% +4.5% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	65%
Efficiency Ratio	82.1% -6.8% YoY-2.7% QoQ	+3.7%	78.4% -3.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	64%
Delinquency Rate	2.6% +276.6% YoY+58.0% QoQ	+1.9	0.7% -0.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Bottom 1.2% in tier
Loan To Share	79.6% -4.3% YoY+0.6% QoQ	+1.9%	77.7% -1.2% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	48%
AMR	$27,889 +0.4% YoY+0.8% QoQ	+$961	$26,927 +3.1% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	66%
CD Concentration	26.3% -0.9% YoY+1.8% QoQ	+2.0%	24.3%	21.3%	19.8%	58%
Indirect Auto %	24.8% -8.9% YoY+0.8% QoQ	+11.0%	13.8%	6.9%	7.7%	78%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#7 of 727 • Bottom 0.5% in tier

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

Why This Signature

Delinquency Change (YoY): 1.94% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Stagnation Risk

risk

#33 of 570 • Bottom 84.8% 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): -3.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.54%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 2.64%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#40 of 250 • Bottom 15.9% in tier

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

Why This Signature

Total Assets: $599.40M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -3.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -5.54%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 284 Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#204 of 570 • Bottom 84.8% in tier

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

Why This Signature

Member Growth (YoY): -3.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#387 of 504 • Bottom 88.0% in tier

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

Why This Signature

Asset Growth (YoY): -0.91%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 24.81%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk

#568 of 596 • Bottom 36.8% in tier

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

Why This Signature

Efficiency Ratio: 82.09%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.62% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -3.62%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 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 167 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (11 metrics)

166

Total Delinquency Rate (60+ days)

risk

Value: 2.64%

Peer Median: 0.62%

#166 of 167 Bottom 1.2% in 500M-750M tier

156

Loan Growth Rate

growth

Value: -5.54%

Peer Median: 4.25%

#156 of 167 Bottom 7.2% in 500M-750M tier

153

Members Per Employee (MPE)

engagement

Value: 235.807

Peer Median: 318.730

#153 of 167 Bottom 9.0% in 500M-750M tier

152

Net Worth Ratio

risk

Value: 8.25%

Peer Median: 10.35%

#152 of 167 Bottom 9.6% in 500M-750M tier

150

Deposit Growth Rate

growth

Value: -1.29%

Peer Median: 4.02%

#150 of 167 Bottom 10.8% in 500M-750M tier

148

Member Growth Rate

growth

Value: -3.62%

Peer Median: 1.03%

#148 of 167 Bottom 12.0% in 500M-750M tier

147

Asset Growth Rate

growth

Value: -0.91%

Peer Median: 4.66%

#147 of 167 Bottom 12.6% in 500M-750M tier

143

Return on Assets (ROA)

profitability

Value: 0.15%

Peer Median: 0.61%

#143 of 167 Bottom 15.0% in 500M-750M tier

137

First Mortgage Concentration (%)

balance_sheet

Value: 46.99%

Peer Median: 32.87%

#137 of 167 Bottom 18.6% in 500M-750M tier

133

AMR Growth Rate

growth

Value: 0.42%

Peer Median: 4.03%

#133 of 167 Bottom 21.0% in 500M-750M tier