BlastPoint's Credit Union Scorecard
E M O T
Charter #9457 · TX
2596 CUs in <100M nationally
245 in TX
E M O T has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.55% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.5% in tier
- + Efficiency Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.40% above tier average
- - Member decline: -3.3% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
495
-3.3% YoY+6.5% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 13.7% in tier |
| Assets |
$9.1M
-0.3% YoY-1.1% QoQ
|
$-20.8M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$2.9M
+4.4% YoY+7.6% QoQ
|
$-12.9M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$5.4M
-2.5% YoY-2.4% QoQ
|
$-20.0M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
25% |
| ROA |
1.2%
+0.1% YoY-3.5% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
72% |
| NIM |
3.5%
+2.4% YoY-0.2% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
54.4%
-1.5% YoY+0.4% QoQ
|
-27.0% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.0% in tier |
| Delinquency Rate |
1.9%
+562.0% YoY+41.8% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
52.4%
+7.1% YoY+10.2% QoQ
|
-8.8% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$16,776
+3.2% YoY-5.3% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
66% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
65
Net Worth Ratio
risk
Value:
39.51%
Peer Avg: 16.43%
#65 of 2596
Top 2.5% in <100M tier
234
Efficiency Ratio
profitability
Value:
54.41%
Peer Avg: 81.39%
#234 of 2596
Top 9.0% in <100M tier
578
Loan Growth Rate
growth
Value:
4.42%
Peer Avg: 59.01%
#578 of 2596
Top 22.2% in <100M tier
Top Weaknesses (6 metrics)
2241
Total Members
engagement
Value:
495
Peer Avg: 2,626
#2241 of 2596
Bottom 13.7% in <100M tier
2129
Fee Income Per Member
profitability
Value:
$8.95
Peer Avg: $182.96
#2129 of 2596
Bottom 18.0% in <100M tier
2060
Net Charge-Off Rate
risk
Value:
0.73%
Peer Avg: 0.57%
#2060 of 2596
Bottom 20.7% in <100M tier
2038
Total Delinquency Rate (60+ days)
risk
Value:
1.90%
Peer Avg: 1.51%
#2038 of 2596
Bottom 21.5% in <100M tier
1997
Total Loans
balance_sheet
Value:
$2.86M
Peer Avg: $15.77M
#1997 of 2596
Bottom 23.1% in <100M tier
1954
Total Deposits
balance_sheet
Value:
$5.45M
Peer Avg: $25.45M
#1954 of 2596
Bottom 24.8% in <100M tier