BlastPoint's Credit Union Scorecard

RANDOLPH-BROOKS

Charter #8111 · TX

Titans 10B+

21 CUs in 10B+ nationally 2 in TX

View Titans leaderboard →

RANDOLPH-BROOKS has 6 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Titans Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Profitability Leader: Top 0.0% in tier
+ Organic Growth Engine: Top 18.5% in tier
+ Organic Growth Leader: Top 28.6% in tier
+ ROA 0.73% above tier average
+ Net Interest Margin 0.01% above tier average
+ Net Worth Ratio: Top 0.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 13.7% in tier
- Credit Risk Growth: Bottom 24.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	1,184,741 +2.2% YoY+0.0% QoQ	-637.7K	1,822,416 +4.1% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	52%
Assets	$18.9B +7.8% YoY+1.1% QoQ	$-9.8B	$28.7B +4.2% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	48%
Loans	$12.7B +3.6% YoY+0.3% QoQ	$-8.4B	$21.1B +5.8% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	43%
Deposits	$14.9B +5.8% YoY+0.7% QoQ	$-9.5B	$24.4B +7.2% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	48%

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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	1.5% +2.7% YoY+2.6% QoQ	+0.7%	0.8% +17.7% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	Top 4.8% in tier
NIM	3.1% +8.1% YoY+0.9% QoQ	+0.0%	3.1% +10.6% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	57%
Efficiency Ratio	55.5% -5.2% YoY-0.5% QoQ	-8.8%	64.3% -4.3% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	Bottom 14.3% in tier
Delinquency Rate	0.9% +11.7% YoY-6.9% QoQ	-0.3	1.2% +9.7% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	33%
Loan To Share	85.1% -2.1% YoY-0.4% QoQ	-4.7%	89.8% -0.3% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	29%
AMR	$23,320 +2.5% YoY+0.5% QoQ	$-8K	$31,184 +7.8% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	19%
CD Concentration	26.4% +4.4% YoY+1.2% QoQ	-5.5%	31.9% +2.0% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	19%
Indirect Auto %	11.2% -5.0% YoY-1.2% QoQ	-3.1%	14.2% -8.9% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	52%

Signature Analysis

Strengths (3)

Profitability Leader

growth

#1 of 6 • Top 0.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.49%

(Tier: 0.76%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.04% points

(Tier: 0.10% points, National: 0.05% points)

but worse than tier avg

6 of 21 Titans CUs have this signature | 457 nationally

→ Stable (6→6 CUs)

Organic Growth Engine

growth

#11 of 18 • Top 18.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.23%

(Tier: 3.59%, National: 9.37%)

but worse than tier avg

Return on Assets: 1.49%

(Tier: 0.76%, National: 0.71%)

better than tier avg

Indirect Auto %: 11.19%

(Tier: 14.25%, National: 7.90%)

better than tier avg

18 of 21 Titans CUs have this signature | 917 nationally

→ Stable (18→18 CUs) | Rank worsening

Organic Growth Leader

growth

#11 of 12 • Top 28.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.23%

(Tier: 3.59%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 11.19%

(Tier: 14.25%, National: 7.90%)

better than tier avg

12 of 21 Titans CUs have this signature | 608 nationally

→ Stable (11→12 CUs) +1 CUs YoY | Rank worsening

Concerns (2)

Credit Quality Pressure

risk

#8 of 15 • Bottom 13.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.10% points, National: 0.07% points)

but better than tier avg

15 of 21 Titans CUs have this signature | 1002 nationally

↓ Shrinking -6 CUs YoY

Credit Risk Growth

risk

#11 of 14 • Bottom 24.4% in tier

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

Why This Signature

Loan Growth (YoY): 3.58%

(Tier: 6.37%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.10% points, National: 0.07% points)

but better than tier avg

14 of 21 Titans CUs have this signature | 646 nationally

→ Stable (13→14 CUs) +1 CUs YoY

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)

Compare against:

Comparing against 21 peers in tier

Top Strengths (6 metrics)

Return on Assets (ROA)

profitability

Value: 1.49%

Peer Avg: -

#1 of 21 Top 0.0% in 10B+ tier

Net Worth Ratio

risk

Value: 12.88%

Peer Avg: -

#1 of 21 Top 0.0% in 10B+ tier

Efficiency Ratio

profitability

Value: 55.47%

Peer Avg: -

#4 of 21 Top 14.3% in 10B+ tier

Fee Income Per Member

profitability

Value: $226.24

Peer Avg: -

#5 of 21 Top 19.0% in 10B+ tier

Asset Growth Rate

growth

Value: 7.75%

Peer Avg: -

#5 of 21 Top 19.0% in 10B+ tier

Share Certificate Concentration (%)

balance_sheet

Value: 26.42%

Peer Avg: -

#5 of 21 Top 19.0% in 10B+ tier

Top Weaknesses (2 metrics)

Member Growth Rate

growth

Value: 2.23%

Peer Avg: -

#17 of 21 Bottom 23.8% in 10B+ tier

Average Member Relationship (AMR)

engagement

Value: $23,320

Peer Avg: -

#17 of 21 Bottom 23.8% in 10B+ tier