BlastPoint's Credit Union Scorecard
SOARION
Charter #8169 · TX
SOARION has 8 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 Engine: Top 7.9% in tier
- + Organic Growth Leader: Top 7.9% in tier
- + ROA 0.93% above tier average
- + Net Interest Margin 0.37% above tier average
- + Strong member growth: 5.9% YoY
- + Total Members: Top 3.0% in tier
- + Member Growth Rate: Top 6.0% in tier
- + Members Per Employee (MPE): Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 11.0% in tier
- - Shrinking Wallet Share: Bottom 99.1% in tier
- - Deposit Outflow: Bottom 99.6% in tier
- - Efficiency ratio 13.13% above tier (higher cost structure)
- - Delinquency rate 0.37% above tier average
- - Net Worth Ratio: Bottom 0.6% in tier
- - Asset Growth Rate: Bottom 1.2% in tier
- - Deposit Growth Rate: Bottom 1.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,938
+5.9% YoY-1.0% QoQ
|
+20.9K |
38,079
-4.8% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Top 3.6% in tier |
| Assets |
$560.7M
-8.4% YoY-0.4% QoQ
|
$-59.0M |
$619.7M
-0.2% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$417.8M
-7.1% YoY-0.8% QoQ
|
$-1.6M |
$419.3M
-1.4% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$501.0M
-11.0% YoY-2.0% QoQ
|
$-38.5M |
$539.5M
-0.1% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
31% |
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| ROA |
1.6%
-887.7% YoY
|
+0.9% |
0.7%
+36.0% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
Top 7.2% in tier |
| NIM |
3.8%
+25.2% YoY+7.7% QoQ
|
+0.4% |
3.5%
+4.5% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
91.5%
-1.1% YoY+5.3% QoQ
|
+13.1% |
78.4%
-3.7% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.4% in tier |
| Delinquency Rate |
1.1%
-28.1% YoY-44.9% QoQ
|
+0.4 |
0.7%
-0.9% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
83.4%
+4.4% YoY+1.3% QoQ
|
+5.7% |
77.7%
-1.2% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
60% |
| AMR |
$15,588
-14.4% YoY-0.5% QoQ
|
$-11K |
$26,927
+3.1% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.4% in tier |
| CD Concentration |
21.7%
-27.7% YoY-10.2% QoQ
|
-2.6% | 24.3% | 21.3% | 19.8% | 41% |
| Indirect Auto % |
13.7%
-69.9% YoY-26.2% QoQ
|
-0.1% | 13.8% | 6.9% | 7.7% | 60% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)