BlastPoint's Credit Union Scorecard
MOUNTAIN STAR
Charter #856 · TX
MOUNTAIN STAR shows strong momentum with 9 strengths and 9.5% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.93% above tier average
- + Net Interest Margin 0.77% above tier average
- + Strong member growth: 9.5% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.9% in tier
- + Loan Growth Rate: Top 2.1% in tier
- + Member Growth Rate: Top 3.0% in tier
- + Efficiency Ratio: Top 3.1% in tier
- + Asset Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,748
+9.5% YoY+3.8% QoQ
|
+2.1K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
85% |
| Assets |
$45.5M
+9.5% YoY+1.4% QoQ
|
+$15.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$30.2M
+26.1% YoY+6.4% QoQ
|
+$14.5M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$34.6M
+6.8% YoY+1.4% QoQ
|
+$8.9M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
4.6%
+78.3% YoY-15.9% QoQ
|
+3.9% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 0.5% in tier |
| NIM |
4.7%
-1.3% YoY+0.4% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
46.5%
-17.9% YoY+12.9% QoQ
|
-36.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.1% in tier |
| Delinquency Rate |
0.6%
-11.9% YoY-6.2% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
87.3%
+18.1% YoY+4.9% QoQ
|
+26.7% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 12.8% in tier |
| AMR |
$13,655
+5.0% YoY-0.1% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
8.8%
+77.1% YoY+0.0% QoQ
|
-15.7% | 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)