BlastPoint's Credit Union Scorecard
JAFARI NO-INTEREST
Charter #68675 · TX
JAFARI NO-INTEREST has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.44% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 3.3% in tier
- + Loan Growth Rate: Top 6.9% in tier
- + Member Growth Rate: Top 8.7% in tier
- + Asset Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 2.6% in tier
- - Total Members: Bottom 9.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
363
+4.0% YoY-25.2% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 9.6% in tier |
| Assets |
$2.8M
+9.0% YoY+0.4% QoQ
|
$-27.4M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.0% in tier |
| Loans |
$1.3M
+12.8% YoY+4.9% QoQ
|
$-13.9M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.8% in tier |
| Deposits |
$2.2M
+8.9% YoY-0.0% QoQ
|
$-23.6M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.1% in tier |
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| ROA |
1.6%
-3.8% YoY+3.4% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 13.3% in tier |
| NIM |
1.7%
-20.3% YoY-11.0% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
45.7%
+5.5% YoY+15.6% QoQ
|
-44.9% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Top 3.3% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
60.8%
+3.6% YoY+4.9% QoQ
|
+2.3% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$9,784
+6.1% YoY+36.0% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
27% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)