BlastPoint's Credit Union Scorecard
PASADENA MUNICIPAL
Charter #9246 · TX
PASADENA MUNICIPAL has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Strong member growth: 5.3% YoY
- + Loan-to-Share Ratio: Top 3.7% in tier
- + Member Growth Rate: Top 6.4% in tier
- + Loan Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 3.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,252
+5.3% YoY+5.5% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
35% |
| Assets |
$12.5M
+3.3% YoY+3.2% QoQ
|
$-17.7M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
37% |
| Loans |
$9.5M
+10.4% YoY-1.7% QoQ
|
$-5.8M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$9.7M
+2.9% YoY+3.7% QoQ
|
$-16.1M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
0.3%
-44.4% YoY-0.3% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
36% |
| NIM |
2.0%
-19.8% YoY-7.3% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.4% in tier |
| Efficiency Ratio |
87.0%
+30.5% YoY+8.7% QoQ
|
-3.6% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
63% |
| Delinquency Rate |
0.4%
+7.9% YoY+86.5% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
39% |
| Loan To Share |
97.9%
+7.3% YoY-5.1% QoQ
|
+39.4% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 3.8% in tier |
| AMR |
$15,363
+1.1% YoY-4.3% QoQ
|
+$479 |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
58% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)