BlastPoint's Credit Union Scorecard
SOARION
Charter #8169 · TX
SOARION has 4 strengths but faces 15 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
- + Organic Growth Engine: Top 25.3% in tier
- + Net Interest Margin 0.07% above tier average
- + Total Members: Top 5.3% in tier
- + First Mortgage Concentration (%): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 0.6% in tier
- - Deposit Outflow: Bottom 1.2% in tier
- - Efficiency Drag: Bottom 26.0% in tier
- - Indirect Auto Dependency: Bottom 31.9% in tier
- - ROA 0.57% below tier average
- - Efficiency ratio 8.41% above tier (higher cost structure)
- - Delinquency rate 0.47% above tier average
- - Net Worth Ratio: Bottom 0.6% in tier
- - Loan Growth Rate: Bottom 1.2% in tier
- - Deposit Growth Rate: Bottom 1.2% in tier
- - AMR Growth Rate: Bottom 1.2% in tier
- - Asset Growth Rate: Bottom 3.0% in tier
- - Average Member Relationship (AMR): Bottom 4.1% in tier
- - Net Charge-Off Rate: Bottom 4.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
58,035
+4.8% YoY+2.6% QoQ
|
+18.3K |
39,752
-2.7% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 5.9% in tier |
| Assets |
$563.7M
-10.7% YoY-1.3% QoQ
|
$-58.6M |
$622.4M
+0.3% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$417.5M
-20.3% YoY+10.7% QoQ
|
$-18.4M |
$435.9M
-0.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$501.9M
-12.5% YoY-4.6% QoQ
|
$-36.1M |
$538.0M
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
0.1%
-106.3% YoY-77.0% QoQ
|
-0.6% |
0.7%
+33.9% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.9% in tier |
| NIM |
3.5%
+12.7% YoY+4.9% QoQ
|
+0.1% |
3.4%
+8.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
86.5%
-2.5% YoY+11.4% QoQ
|
+8.4% |
78.1%
-3.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
1.3%
-38.4% YoY-27.1% QoQ
|
+0.5 |
0.8%
-4.9% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
83.2%
-9.0% YoY+16.1% QoQ
|
+2.2% |
81.0%
-1.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
50% |
| AMR |
$15,843
-20.1% YoY-0.8% QoQ
|
$-11K |
$26,482
+2.6% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.6% in tier |
| CD Concentration |
25.5%
-22.3% YoY-8.9% QoQ
|
+1.1% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
54% |
| Indirect Auto % |
27.7%
-49.3% YoY-12.2% QoQ
|
+13.8% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
80% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)