BlastPoint's Credit Union Scorecard
GOLDEN TRIANGLE
Charter #8298 · TX
GOLDEN TRIANGLE has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.13% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.44% below tier average
- - Efficiency ratio 4.61% above tier (higher cost structure)
- - Member decline: -2.1% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -0.7% year over year ($30.6M in shares and deposits).
- Membership: 2,276 members, -2.1% vs a year ago.
- Delinquency rate 0.63%.
- Return on assets 0.05%.
- Efficiency ratio 93.37% vs a 88.77% peer average.
- Loan-to-share ratio 48.77% vs a 58.89% 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 |
2,276
-2.1% YoY-1.3% QoQ
|
-309 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
58% |
| Assets |
$37.9M
+0.3% YoY-1.8% QoQ
|
+$7.7M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$14.9M
-5.7% YoY+0.4% QoQ
|
$-515K |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
62% |
| Deposits |
$30.6M
-0.7% YoY-2.7% QoQ
|
+$4.8M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
65% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-96.6% YoY-86.9% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.7% in tier |
| NIM |
4.0%
-1.7% YoY-0.4% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
58% |
| Efficiency Ratio |
93.4%
+28.6% YoY+4.5% QoQ
|
+4.6% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
0.6%
+62.6% YoY+49.7% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
48.8%
-5.1% YoY+3.2% QoQ
|
-10.1% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
34% |
| AMR |
$20,028
-0.3% YoY-0.4% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
11.8%
+41.0% YoY+7.1% QoQ
|
-12.8% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 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)