BlastPoint's Credit Union Scorecard
RANDOLPH-BROOKS
Charter #8111 · TX
RANDOLPH-BROOKS 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
- + Wallet Share Momentum: Top 16.7% in tier
- + ROA 0.12% above tier average
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.5% in tier
- - Margin Compression: Bottom 41.7% in tier
- - Credit Risk Growth: Bottom 79.2% in tier
- - Membership Headwinds: Bottom 95.8% in tier
- - Stagnation Risk: Bottom 95.8% in tier
- - Delinquency rate 0.09% above tier average
- - Member decline: -3.5% YoY
- - Member Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,148,891
-3.5% YoY+1.0% QoQ
|
-563.7K |
1,712,610
-8.0% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$19.2B
+3.7% YoY-0.1% QoQ
|
$-9.0B |
$28.2B
-3.2% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$12.7B
+2.3% YoY-0.6% QoQ
|
$-7.4B |
$20.2B
-4.4% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
38% |
| Deposits |
$15.5B
+5.2% YoY+2.1% QoQ
|
$-8.6B |
$24.1B
-2.9% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
1.0%
-12.4% YoY-27.3% QoQ
|
+0.1% |
0.9%
+31.5% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
58% |
| NIM |
3.4%
+9.8% YoY+7.6% QoQ
|
+0.2% |
3.2%
+4.6% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
62.4%
+3.8% YoY+10.1% QoQ
|
-1.5% |
63.9%
-3.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
46% |
| Delinquency Rate |
1.0%
+40.6% YoY-4.2% QoQ
|
+0.1 |
0.9%
-6.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
82.1%
-2.7% YoY-2.7% QoQ
|
-3.9% |
86.0%
-3.3% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
29% |
| AMR |
$24,582
+7.6% YoY-0.1% QoQ
|
$-8K |
$32,099
+9.5% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
25.8%
+0.7% YoY-0.5% QoQ
|
-4.4% | 30.2% | 21.3% | 19.8% | 25% |
| Indirect Auto % |
10.5%
-8.4% YoY-2.1% QoQ
|
-4.4% | 14.9% | 6.9% | 7.7% | 42% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)