BlastPoint's Credit Union Scorecard
MY COMMUNITY
Charter #68682 · TX
MY COMMUNITY has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 86.2% in tier
- + ROA 0.07% above tier average
- + Net Interest Margin 1.67% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 19.0% in tier
- - Credit Quality Pressure: Bottom 19.7% in tier
- - Credit Risk Growth: Bottom 41.3% in tier
- - Efficiency Drag: Bottom 79.0% in tier
- - Liquidity Strain: Bottom 93.8% in tier
- - Efficiency ratio 4.05% above tier (higher cost structure)
- - Delinquency rate 0.73% above tier average
- - Indirect Auto Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,097
+1.9% YoY+1.5% QoQ
|
+4.5K |
38,575
-4.8% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$536.4M
+7.3% YoY-0.3% QoQ
|
$-85.4M |
$621.7M
+0.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$428.7M
+3.5% YoY-0.3% QoQ
|
$-1.1M |
$429.8M
-1.8% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$474.2M
+7.0% YoY-0.5% QoQ
|
$-64.5M |
$538.7M
+0.6% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
0.7%
+65.3% YoY-11.5% QoQ
|
+0.1% |
0.7%
+42.9% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
5.1%
+6.8% YoY+0.2% QoQ
|
+1.7% |
3.4%
+8.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 1.8% in tier |
| Efficiency Ratio |
81.6%
+1.6% YoY+1.2% QoQ
|
+4.0% |
77.5%
-4.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
1.6%
+42.7% YoY+16.7% QoQ
|
+0.7 |
0.8%
-1.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 13.3% in tier |
| Loan To Share |
90.4%
-3.3% YoY+0.2% QoQ
|
+10.6% |
79.8%
-2.3% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$20,951
+3.3% YoY-1.8% QoQ
|
$-6K |
$26,849
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
20.5%
+3.2% YoY-1.4% QoQ
|
-4.0% | 24.4% | 21.2% | 19.8% | 36% |
| Indirect Auto % |
39.6%
+1.7% YoY+3.1% QoQ
|
+25.8% | 13.8% | 7.1% | 7.8% | Top 8.5% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)