BlastPoint's Credit Union Scorecard
SOARION
Charter #8169 · TX
SOARION has 6 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 Leader: Top 14.2% in tier
- + Organic Growth Engine: Top 14.2% in tier
- + ROA 0.47% above tier average
- + Net Interest Margin 0.26% above tier average
- + Total Members: Top 2.4% in tier
- + Members Per Employee (MPE): Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 18.0% in tier
- - Shrinking Wallet Share: Bottom 92.0% in tier
- - Deposit Outflow: Bottom 98.5% in tier
- - Efficiency ratio 10.16% above tier (higher cost structure)
- - Delinquency rate 0.21% above tier average
- - Net Worth Ratio: Bottom 1.2% in tier
- - Deposit Growth Rate: Bottom 3.0% in tier
- - Average Member Relationship (AMR): Bottom 3.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 16 that size in Texas.
- Shares and deposits -7.3% year over year ($488M in shares and deposits).
- Membership: 58,757 members, +3.9% vs a year ago.
- Delinquency rate 1.01%.
- Return on assets 1.29%.
- Efficiency ratio 86.72% vs a 76.56% peer average.
- Loan-to-share ratio 87.46% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,757
+3.9% YoY-0.3% QoQ
|
+20.9K |
37,897
-5.0% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 3.0% in tier |
| Assets |
$555.6M
-2.7% YoY-0.9% QoQ
|
$-66.8M |
$622.4M
+0.6% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
27% |
| Loans |
$426.7M
+13.1% YoY+2.1% QoQ
|
$-1.8M |
$428.5M
-0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$487.8M
-7.3% YoY-2.6% QoQ
|
$-51.9M |
$539.8M
+0.9% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
26% |
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| ROA |
1.3%
+233.5% YoY-20.4% QoQ
|
+0.5% |
0.8%
+39.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 13.9% in tier |
| NIM |
3.8%
+13.7% YoY-1.1% QoQ
|
+0.3% |
3.5%
+5.0% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
86.7%
+11.7% YoY-5.2% QoQ
|
+10.2% |
76.6%
-3.6% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
85% |
| Delinquency Rate |
1.0%
-41.6% YoY-5.4% QoQ
|
+0.2 |
0.8%
+3.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
73% |
| Loan To Share |
87.5%
+22.1% YoY+4.9% QoQ
|
+8.1% |
79.3%
-1.4% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$15,564
-2.6% YoY-0.2% QoQ
|
$-12K |
$27,294
+4.1% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.4% in tier |
| CD Concentration |
21.4%
-23.7% YoY-1.5% QoQ
|
-3.2% | 24.6% | 21.6% | 20.0% | 39% |
| Indirect Auto % |
11.3%
-64.2% YoY-17.4% QoQ
|
-2.3% | 13.6% | 6.9% | 7.7% | 56% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)