BlastPoint's Credit Union Scorecard
RANDOLPH-BROOKS
Charter #8111 · TX
RANDOLPH-BROOKS has 5 strengths but faces 6 concerns
How does the industry compare?
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 40.0% in tier
- + ROA 0.67% above tier average
- + Net Interest Margin 0.00% above tier average
- + Net Worth Ratio: Top 0.0% in tier
- + AMR Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 33.3% in tier
- - Credit Quality Pressure: Bottom 46.7% in tier
- - Stagnation Risk: Bottom 66.7% in tier
- - Credit Risk Growth: Bottom 76.9% in tier
- - Member decline: -3.1% YoY
- - Member Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,137,444
-3.1% YoY-4.0% QoQ
|
-693.9K |
1,831,295
-0.2% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$19.2B
+7.0% YoY+1.6% QoQ
|
$-9.9B |
$29.1B
+3.6% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$12.8B
+3.4% YoY+0.8% QoQ
|
$-8.6B |
$21.4B
+2.0% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$15.2B
+6.1% YoY+1.8% QoQ
|
$-9.7B |
$24.9B
+4.3% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
1.4%
+2.3% YoY-5.8% QoQ
|
+0.7% |
0.7%
+30.7% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 9.5% in tier |
| NIM |
3.1%
+6.9% YoY+0.2% QoQ
|
+0.0% |
3.1%
+7.9% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
56.7%
-4.0% YoY+2.2% QoQ
|
-7.9% |
64.6%
-4.0% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
1.0%
+16.8% YoY+17.5% QoQ
|
-0.1 |
1.2%
+0.3% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
84.3%
-2.5% YoY-1.0% QoQ
|
-4.8% |
89.1%
-2.0% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$24,610
+8.2% YoY+5.5% QoQ
|
$-7K |
$31,580
+8.5% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
25.9%
+0.9% YoY-2.0% QoQ
|
-5.6% | 31.4% | 21.2% | 19.8% | Bottom 14.3% in tier |
| Indirect Auto % |
10.8%
-7.1% YoY-3.7% QoQ
|
-3.4% | 14.1% | 7.1% | 7.8% | 52% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)