BlastPoint's Credit Union Scorecard

MY COMMUNITY

Charter #68682 · TX

Community 500M-750M

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

View Community leaderboard →

MY COMMUNITY has 3 strengths 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 1.67% above tier average
+ Strong member growth: 5.2% YoY
+ Member Growth Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.4% in tier
- Credit Quality Pressure: Bottom 28.9% in tier
- Efficiency Drag: Bottom 39.3% in tier
- Credit Risk Growth: Bottom 41.5% in tier
- Indirect Auto Dependency: Bottom 58.0% in tier
- Shrinking Wallet Share: Bottom 86.7% in tier
- ROA 0.55% below tier average
- Efficiency ratio 3.91% above tier (higher cost structure)

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 +2.9% year over year ($492M in shares and deposits).
Membership: 44,054 members, +5.2% vs a year ago.
Delinquency rate 1.24%.
Return on assets 0.27%.
Efficiency ratio 80.47% vs a 76.56% peer average.
Loan-to-share ratio 93.18% 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	44,054 +5.2% YoY+0.2% QoQ	+6.2K	37,897 -5.0% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	74%
Assets	$555.3M +3.3% YoY-0.7% QoQ	$-67.1M	$622.4M +0.6% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	27%
Loans	$458.5M +4.8% YoY+2.7% QoQ	+$30.0M	$428.5M -0.7% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	60%
Deposits	$492.0M +2.9% YoY-0.8% QoQ	$-47.7M	$539.8M +0.9% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	28%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -64.2% YoY+9.3% QoQ	-0.5%	0.8% +39.5% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	Bottom 10.9% in tier
NIM	5.2% +1.1% YoY+3.5% QoQ	+1.7%	3.5% +5.0% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	Top 1.8% in tier
Efficiency Ratio	80.5% -1.9% YoY-1.2% QoQ	+3.9%	76.6% -3.6% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	66%
Delinquency Rate	1.2% +16.3% YoY-2.7% QoQ	+0.4	0.8% +3.1% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	84%
Loan To Share	93.2% +1.8% YoY+3.5% QoQ	+13.9%	79.3% -1.4% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	82%
AMR	$21,575 -1.3% YoY+0.7% QoQ	$-6K	$27,294 +4.1% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	19%
CD Concentration	19.8% +1.9% YoY+0.1% QoQ	-4.7%	24.6%	21.6%	20.0%	33%
Indirect Auto %	43.0% +14.4% YoY+3.1% QoQ	+29.4%	13.6%	6.9%	7.7%	Bottom 6.0% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Indirect Auto Dependency

risk

#204 of 476 • Bottom 58.0% in tier

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

Why This Signature

Asset Growth (YoY): 3.31%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 43.02%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 5.19%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#372 of 693 • Bottom 28.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.17% points

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

worse than tier avg

962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

Credit Risk Growth

risk

#290 of 472 • Bottom 41.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.82%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.17% points

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

worse than tier avg

688 nationally

↑ Growing +32 CUs YoY | Rank worsening

Liquidity Strain

risk

#158 of 224 • Bottom 11.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.18%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 4.82%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 276 Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#173 of 223 • Bottom 86.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.29%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 276 Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Efficiency Drag

risk

#524 of 531 • Bottom 39.3% in tier

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

Why This Signature

Efficiency Ratio: 80.47%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.48% points

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

worse than tier avg

Member Growth (YoY): 5.19%

(Tier: 0.46%, National: 15.67%)

but better 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 (5 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.20%

Peer Median: 3.55%

#3 of 165 Top 1.2% in 500M-750M tier

Member Growth Rate

growth

Value: 5.19%

Peer Median: 0.59%

#17 of 165 Top 9.7% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.18%

Peer Median: 81.50%

#29 of 165 Top 17.0% in 500M-750M tier

Fee Income Per Member

profitability

Value: $263.49

Peer Median: $191.53

#30 of 165 Top 17.6% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.84%

Peer Median: 26.69%

#38 of 165 Top 22.4% in 500M-750M tier

Top Weaknesses (6 metrics)

155

Indirect Auto Concentration (%)

balance_sheet

Value: 43.02%

Peer Median: 9.93%

#155 of 165 Bottom 6.7% in 500M-750M tier

147

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Median: 0.74%

#147 of 165 Bottom 11.5% in 500M-750M tier

141

AMR Growth Rate

growth

Value: -1.29%

Peer Median: 3.83%

#141 of 165 Bottom 15.2% in 500M-750M tier

140

Total Delinquency Rate (60+ days)

risk

Value: 1.24%

Peer Median: 0.70%

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

140

Net Charge-Off Rate

risk

Value: 0.87%

Peer Median: 0.41%

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

133

Average Member Relationship (AMR)

engagement

Value: $21,575

Peer Median: $25,725

#133 of 165 Bottom 20.0% in 500M-750M tier