BlastPoint's Credit Union Scorecard
UNION SQUARE
Charter #68664 · TX
UNION SQUARE has 1 strength but faces 12 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 4.5% in tier
- - Credit Quality Pressure: Bottom 6.2% in tier
- - Membership Headwinds: Bottom 15.1% in tier
- - Efficiency Drag: Bottom 20.2% in tier
- - Stagnation Risk: Bottom 23.7% in tier
- - Indirect Auto Dependency: Bottom 26.4% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 8.36% above tier (higher cost structure)
- - Delinquency rate 0.31% above tier average
- - Member decline: -2.7% YoY
- - Loan Growth Rate: Bottom 6.5% in tier
- - Net Worth Ratio: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,601
-2.7% YoY-0.7% QoQ
|
-4.2K |
39,752
-2.7% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$604.9M
-2.2% YoY-1.4% QoQ
|
$-17.5M |
$622.4M
+0.3% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$436.4M
-9.3% YoY-2.6% QoQ
|
+$454K |
$435.9M
-0.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
48% |
| Deposits |
$554.2M
+2.4% YoY-1.8% QoQ
|
+$16.1M |
$538.0M
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
60% |
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| ROA |
0.1%
-120.7% YoY-156.0% QoQ
|
-0.6% |
0.7%
+33.9% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.7% in tier |
| NIM |
3.6%
+13.8% YoY+1.8% QoQ
|
+0.2% |
3.4%
+8.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
86.5%
-7.8% YoY-2.3% QoQ
|
+8.4% |
78.1%
-3.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
82% |
| Delinquency Rate |
1.1%
+72.0% YoY+13.2% QoQ
|
+0.3 |
0.8%
-4.9% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
78.7%
-11.4% YoY-0.7% QoQ
|
-2.3% |
81.0%
-1.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$27,824
-0.4% YoY-1.5% QoQ
|
+$1K |
$26,482
+2.6% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
66% |
| CD Concentration |
26.4%
+6.5% YoY-3.0% QoQ
|
+2.0% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
57% |
| Indirect Auto % |
25.2%
-16.4% YoY-4.7% QoQ
|
+11.3% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
78% |
Signature Analysis
Strengths (0)
Concerns (6)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)