BlastPoint's Credit Union Scorecard
SOUTH TEXAS
Charter #8237 · TX
SOUTH TEXAS has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 3.2% in tier
- + Total Members: Top 8.3% in tier
- + Asset Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Efficiency ratio 0.17% above tier (higher cost structure)
- - Member decline: -19.8% YoY
- - Member Growth Rate: Bottom 1.9% in tier
- - Loan Growth Rate: Bottom 2.2% in tier
- - Net Worth Ratio: Bottom 7.4% in tier
- - Net Charge-Off Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,199
-19.8% YoY-0.6% QoQ
|
+3.6K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 8.3% in tier |
| Assets |
$67.6M
+10.0% YoY+1.3% QoQ
|
+$37.5M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 13.6% in tier |
| Loans |
$21.3M
-31.1% YoY-8.1% QoQ
|
+$5.5M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$62.2M
+9.2% YoY+1.4% QoQ
|
+$36.5M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 11.2% in tier |
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| ROA |
0.4%
-5.2% YoY-35.7% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.7%
-2.5% YoY-1.8% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
82.7%
+1.3% YoY+1.4% QoQ
|
+0.2% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.3%
-15.2% YoY-22.8% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
34.2%
-36.9% YoY-9.4% QoQ
|
-26.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.7% in tier |
| AMR |
$13,468
+18.4% YoY-0.7% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
4.2%
+38.9% YoY+0.8% QoQ
|
-20.2% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)