BlastPoint's Credit Union Scorecard
MY COMMUNITY
Charter #68682 · TX
MY COMMUNITY has 4 strengths but faces 7 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 27.7% in tier
- + Wallet Share Momentum: Top 94.4% in tier
- + ROA 0.16% above tier average
- + Net Interest Margin 1.67% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 4.7% in tier
- - Indirect Auto Dependency: Bottom 5.3% in tier
- - Credit Quality Pressure: Bottom 6.2% in tier
- - Efficiency Drag: Bottom 26.6% in tier
- - Liquidity Strain: Bottom 27.1% in tier
- - Efficiency ratio 2.47% above tier (higher cost structure)
- - Delinquency rate 0.55% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,472
+1.6% YoY+1.4% QoQ
|
+2.7K |
39,752
-2.7% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$538.1M
+6.3% YoY+0.1% QoQ
|
$-84.3M |
$622.4M
+0.3% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$429.9M
+7.7% YoY-1.7% QoQ
|
$-6.1M |
$435.9M
-0.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$476.5M
+6.3% YoY-0.3% QoQ
|
$-61.5M |
$538.0M
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
0.8%
+100.4% YoY+9.2% QoQ
|
+0.2% |
0.7%
+33.9% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
64% |
| NIM |
5.1%
+9.4% YoY-1.0% QoQ
|
+1.7% |
3.4%
+8.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 1.8% in tier |
| Efficiency Ratio |
80.6%
+0.9% YoY-1.7% QoQ
|
+2.5% |
78.1%
-3.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
1.3%
+54.1% YoY+26.4% QoQ
|
+0.5 |
0.8%
-4.9% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
90.2%
+1.3% YoY-1.4% QoQ
|
+9.2% |
81.0%
-1.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
71% |
| AMR |
$21,341
+5.3% YoY-2.4% QoQ
|
$-5K |
$26,482
+2.6% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
20.8%
+2.0% YoY+6.6% QoQ
|
-3.7% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
37% |
| Indirect Auto % |
38.4%
-4.8% YoY+2.2% QoQ
|
+24.5% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Top 9.7% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
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)