BlastPoint's Credit Union Scorecard

SOARION

Charter #8169 · TX

Community 500M-750M
165 CUs in 500M-750M nationally 16 in TX
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SOARION has 7 strengths but faces 17 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 9.7% in tier
  • + Net Interest Margin 0.12% above tier average
  • + Strong member growth: 7.9% YoY
  • + Total Members: Top 3.0% in tier
  • + Member Growth Rate: Top 5.5% in tier
  • + Members Per Employee (MPE): Top 5.5% in tier
  • + First Mortgage Concentration (%): Top 6.1% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 1.5% in tier
  • - Shrinking Wallet Share: Bottom 3.4% in tier
  • - Credit Quality Pressure: Bottom 34.7% in tier
  • - Efficiency Drag: Bottom 89.6% in tier
  • - Indirect Auto Dependency: Bottom 100.0% in tier
  • - ROA 0.69% below tier average
  • - Efficiency ratio 9.37% above tier (higher cost structure)
  • - Delinquency rate 1.10% above tier average
  • - Net Worth Ratio: Bottom 0.6% in tier
  • - Asset Growth Rate: Bottom 1.2% in tier
  • - AMR Growth Rate: Bottom 1.2% in tier
  • - Deposit Growth Rate: Bottom 1.8% in tier
  • - Average Member Relationship (AMR): Bottom 2.4% in tier
  • - Net Charge-Off Rate: Bottom 3.6% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 4.8% in tier
  • - Total Delinquency Rate (60+ days): Bottom 5.5% in tier
  • - Loan Growth Rate: Bottom 6.1% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 59,540
+7.9% YoY+2.6% QoQ
 +21.0K 38,575
-4.8% YoY
 27,007
+3.4% YoY
 33,374
+5.7% YoY
 Top 3.6% in tier
Assets $563.1M
-8.3% YoY-0.1% QoQ
 $-58.6M $621.7M
+0.1% YoY
 $418.5M
+7.2% YoY
 $561.6M
+9.7% YoY
 27%
Loans $421.1M
-9.5% YoY+0.9% QoQ
 $-8.7M $429.8M
-1.8% YoY
 $298.6M
+5.4% YoY
 $397.0M
+8.8% YoY
 45%
Deposits $511.3M
-9.6% YoY+1.9% QoQ
 $-27.4M $538.7M
+0.6% YoY
 $347.2M
+7.2% YoY
 $477.3M
+9.7% YoY
 36%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA -0.0%
-98.0% YoY-137.0% QoQ
 -0.7% 0.7%
+42.9% YoY
 0.6%
+2.3% YoY
 0.7%
+15.9% YoY
 Bottom 6.1% in tier
NIM 3.6%
+11.6% YoY+1.8% QoQ
 +0.1% 3.4%
+8.0% YoY
 3.9%
+3.4% YoY
 3.8%
+5.1% YoY
 61%
Efficiency Ratio 86.9%
-3.1% YoY+0.4% QoQ
 +9.4% 77.5%
-4.1% YoY
 80.2%
-0.8% YoY
 79.7%
-3.3% YoY
 Top 13.3% in tier
Delinquency Rate 1.9%
+18.5% YoY+53.5% QoQ
 +1.1 0.8%
-1.1% YoY
 1.3%
+11.4% YoY
 1.3%
-2.1% YoY
 Top 5.5% in tier
Loan To Share 82.4%
+0.1% YoY-1.0% QoQ
 +2.5% 79.8%
-2.3% YoY
 71.4%
-2.7% YoY
 67.4%
-1.7% YoY
 52%
AMR $15,660
-16.2% YoY-1.2% QoQ
 $-11K $26,849
+2.7% YoY
 $17,599
+2.5% YoY
 $19,687
+2.0% YoY
 Bottom 1.8% in tier
CD Concentration 24.2%
-23.9% YoY-5.1% QoQ
 -0.3% 24.4% 21.2% 19.8% 49%
Indirect Auto % 18.5%
-63.7% YoY-33.2% QoQ
 +4.7% 13.8% 7.1% 7.8% 69%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth
#42 of 426 • Top 9.7% in tier

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

Why This Signature
Member Growth (YoY): 7.90%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 18.53%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
609 nationally
→ No prior data (426 CUs now) | New qualifier

Concerns (5)

Deposit Outflow

decline
#2 of 69 • Bottom 1.5% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -9.61%
(Tier: 5.05%, National: 13.79%)
worse than tier avg
Member Growth (YoY): 7.90%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
69 of 282 Community CUs have this signature | 91 nationally
→ No prior data (69 CUs now) | New qualifier

Shrinking Wallet Share

decline
#8 of 208 • Bottom 3.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -16.19%
(Tier: 4.17%, National: 4.00%)
worse than tier avg
208 of 282 Community CUs have this signature | 303 nationally
↓ Shrinking -190 CUs YoY | Rank improving

Credit Quality Pressure

risk
#245 of 705 • Bottom 34.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.30% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
969 nationally
↓ Shrinking -150 CUs YoY | New qualifier

Efficiency Drag

risk
#482 of 538 • Bottom 89.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 86.88%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 1.60% points
(Tier: 0.11% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): 7.90%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
633 nationally
↓ Shrinking -98 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#506 of 506 • Bottom 100.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -8.29%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 18.53%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 7.90%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
745 nationally
↓ Shrinking -35 CUs YoY | Rank worsening

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)

Comparing against 165 peers in tier

Top Strengths (4 metrics)

6
Total Members
engagement
Value: 59,540
Peer Median: -
#6 of 165 Top 3.0% in 500M-750M tier
10
Member Growth Rate
growth
Value: 7.90%
Peer Median: -
#10 of 165 Top 5.5% in 500M-750M tier
10
Members Per Employee (MPE)
engagement
Value: 461.550
Peer Median: -
#10 of 165 Top 5.5% in 500M-750M tier
11
First Mortgage Concentration (%)
balance_sheet
Value: 12.82%
Peer Median: -
#11 of 165 Top 6.1% in 500M-750M tier

Top Weaknesses (11 metrics)

165
Net Worth Ratio
risk
Value: 6.06%
Peer Median: -
#165 of 165 Bottom 0.6% in 500M-750M tier
164
Asset Growth Rate
growth
Value: -8.29%
Peer Median: -
#164 of 165 Bottom 1.2% in 500M-750M tier
164
AMR Growth Rate
growth
Value: -16.19%
Peer Median: -
#164 of 165 Bottom 1.2% in 500M-750M tier
163
Deposit Growth Rate
growth
Value: -9.61%
Peer Median: -
#163 of 165 Bottom 1.8% in 500M-750M tier
162
Average Member Relationship (AMR)
engagement
Value: $15,660
Peer Median: -
#162 of 165 Bottom 2.4% in 500M-750M tier
160
Net Charge-Off Rate
risk
Value: 1.57%
Peer Median: -
#160 of 165 Bottom 3.6% in 500M-750M tier
158
Loan-to-Member Ratio (LMR)
engagement
Value: $7,073
Peer Median: -
#158 of 165 Bottom 4.8% in 500M-750M tier
157
Total Delinquency Rate (60+ days)
risk
Value: 1.94%
Peer Median: -
#157 of 165 Bottom 5.5% in 500M-750M tier
156
Loan Growth Rate
growth
Value: -9.53%
Peer Median: -
#156 of 165 Bottom 6.1% in 500M-750M tier
155
Return on Assets (ROA)
profitability
Value: -0.03%
Peer Median: -
#155 of 165 Bottom 6.7% in 500M-750M tier
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