BlastPoint's Credit Union Scorecard
MOUNTAIN STAR
Charter #856 · TX
MOUNTAIN STAR shows strong momentum with 8 strengths and 7.4% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.73% above tier average
- + Net Interest Margin 0.77% above tier average
- + Strong member growth: 7.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.9% in tier
- + Efficiency Ratio: Top 2.5% in tier
- + Loan Growth Rate: Top 3.0% in tier
- + Member Growth Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,575
+7.4% YoY+2.5% QoQ
|
+1.9K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$44.9M
+4.2% YoY+0.1% QoQ
|
+$15.0M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
74% |
| Loans |
$28.4M
+20.7% YoY+3.7% QoQ
|
+$12.6M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$34.1M
+0.6% YoY-0.5% QoQ
|
+$8.7M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
69% |
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| ROA |
5.4%
+124.7% YoY+30.0% QoQ
|
+4.7% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 0.7% in tier |
| NIM |
4.7%
-0.7% YoY+2.6% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
79% |
| Efficiency Ratio |
41.2%
-27.0% YoY-12.8% QoQ
|
-40.2% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.5% in tier |
| Delinquency Rate |
0.6%
-26.2% YoY+251.2% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
83.3%
+20.0% YoY+4.2% QoQ
|
+22.0% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$13,666
+1.3% YoY-1.1% QoQ
|
$-961 |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
8.8%
+84.2% YoY+33.5% QoQ
|
-15.7% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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)