BlastPoint's Credit Union Scorecard

MY COMMUNITY

Charter #68682 · TX

Community 500M-750M
167 CUs in 500M-750M nationally 14 in TX
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MY COMMUNITY has 2 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

  • + Wallet Share Momentum: Top 18.2% in tier
  • + Net Interest Margin 1.56% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 11.7% in tier
  • - Liquidity Strain: Bottom 13.6% in tier
  • - Credit Quality Pressure: Bottom 15.2% in tier
  • - Credit Risk Growth: Bottom 19.8% in tier
  • - Efficiency Drag: Bottom 39.5% in tier
  • - ROA 0.44% below tier average
  • - Efficiency ratio 3.04% above tier (higher cost structure)
  • - Delinquency rate 0.56% above tier average

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 43,979
+2.1% YoY+2.0% QoQ
 +5.9K 38,079
-4.8% YoY
 29,039
+7.4% YoY
 33,913
+5.7% YoY
 74%
Assets $559.3M
+9.8% YoY+4.3% QoQ
 $-60.4M $619.7M
-0.2% YoY
 $450.8M
+10.3% YoY
 $578.3M
+9.0% YoY
 27%
Loans $446.6M
+9.4% YoY+4.2% QoQ
 +$27.3M $419.3M
-1.4% YoY
 $318.1M
+8.9% YoY
 $402.4M
+8.7% YoY
 60%
Deposits $496.0M
+9.9% YoY+4.6% QoQ
 $-43.5M $539.5M
-0.1% YoY
 $378.7M
+10.8% YoY
 $494.3M
+9.1% YoY
 28%

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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%
-56.8% YoY-66.1% QoQ
 -0.4% 0.7%
+36.0% YoY
 -0.2%
-134.7% YoY
 0.4%
-39.2% YoY
 21%
NIM 5.0%
-1.2% YoY-1.6% QoQ
 +1.6% 3.5%
+4.5% YoY
 3.9%
-0.7% YoY
 3.8%
+4.1% YoY
 Top 1.8% in tier
Efficiency Ratio 81.4%
-0.4% YoY-0.2% QoQ
 +3.0% 78.4%
-3.7% YoY
 98.7%
+20.4% YoY
 84.6%
+2.8% YoY
 59%
Delinquency Rate 1.3%
+35.6% YoY-19.0% QoQ
 +0.6 0.7%
-0.9% YoY
 1.2%
+13.1% YoY
 1.2%
+3.4% YoY
 Bottom 11.4% in tier
Loan To Share 90.0%
-0.5% YoY-0.4% QoQ
 +12.4% 77.7%
-1.2% YoY
 69.5%
-2.6% YoY
 65.6%
-1.4% YoY
 80%
AMR $21,432
+7.4% YoY+2.3% QoQ
 $-5K $26,927
+3.1% YoY
 $17,820
+2.9% YoY
 $19,920
+1.6% YoY
 22%
CD Concentration 19.8%
-0.2% YoY-3.1% QoQ
 -4.5% 24.3% 21.3% 19.8% 35%
Indirect Auto % 41.7%
+3.7% YoY+5.3% QoQ
 +27.9% 13.8% 6.9% 7.7% Bottom 7.3% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#243 of 491 • Top 18.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.41%
(Tier: 3.74%, National: 6.36%)
better than tier avg
637 nationally
↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk
#31 of 504 • Bottom 11.7% in tier

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

Why This Signature
Asset Growth (YoY): 9.80%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 41.71%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 2.13%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
745 nationally
↓ Shrinking -29 CUs YoY | Rank improving

Credit Risk Growth

risk
#70 of 476 • Bottom 19.8% in tier

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

Why This Signature
Loan Growth (YoY): 9.43%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.33% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
710 nationally
→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk
#203 of 727 • Bottom 15.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.33% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
1013 nationally
↓ Shrinking -60 CUs YoY | Rank improving

Liquidity Strain

risk
#151 of 183 • Bottom 13.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 90.04%
(Tier: 72.31%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 9.43%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
183 of 284 Community CUs have this signature | 367 nationally
→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Efficiency Drag

risk
#505 of 596 • Bottom 39.5% in tier

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

Why This Signature
Efficiency Ratio: 81.42%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): -0.32% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 2.13%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
702 nationally
↓ Shrinking -84 CUs YoY | Rank improving

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)

Comparing against 167 peers in tier

Top Strengths (8 metrics)

3
Net Interest Margin (NIM)
profitability
Value: 5.03%
Peer Median: 3.48%
#3 of 167 Top 1.2% in 500M-750M tier
23
Deposit Growth Rate
growth
Value: 9.94%
Peer Median: 4.02%
#23 of 167 Top 13.2% in 500M-750M tier
27
Asset Growth Rate
growth
Value: 9.80%
Peer Median: 4.66%
#27 of 167 Top 15.6% in 500M-750M tier
31
Loan Growth Rate
growth
Value: 9.43%
Peer Median: 4.25%
#31 of 167 Top 18.0% in 500M-750M tier
32
AMR Growth Rate
growth
Value: 7.41%
Peer Median: 4.03%
#32 of 167 Top 18.6% in 500M-750M tier
33
Loan-to-Share Ratio
balance_sheet
Value: 90.04%
Peer Median: 79.97%
#33 of 167 Top 19.2% in 500M-750M tier
37
Fee Income Per Member
profitability
Value: $244.70
Peer Median: $178.80
#37 of 167 Top 21.6% in 500M-750M tier
42
Share Certificate Concentration (%)
balance_sheet
Value: 19.82%
Peer Median: 26.29%
#42 of 167 Top 24.6% in 500M-750M tier

Top Weaknesses (5 metrics)

155
Indirect Auto Concentration (%)
balance_sheet
Value: 41.71%
Peer Median: 10.91%
#155 of 167 Bottom 7.8% in 500M-750M tier
149
Total Delinquency Rate (60+ days)
risk
Value: 1.27%
Peer Median: 0.62%
#149 of 167 Bottom 11.4% in 500M-750M tier
146
Net Charge-Off Rate
risk
Value: 0.95%
Peer Median: 0.39%
#146 of 167 Bottom 13.2% in 500M-750M tier
132
Return on Assets (ROA)
profitability
Value: 0.25%
Peer Median: 0.61%
#132 of 167 Bottom 21.6% in 500M-750M tier
130
Average Member Relationship (AMR)
engagement
Value: $21,432
Peer Median: $25,600
#130 of 167 Bottom 22.8% in 500M-750M tier
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