BlastPoint's Credit Union Scorecard
E M O T
Charter #9457 · TX
E M O T has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.57% 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 2.4% in tier
- + Efficiency Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.11% above tier average
- - Member decline: -7.9% YoY
- - Member Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
464
-7.9% YoY-6.3% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 12.5% in tier |
| Assets |
$9.2M
+0.3% YoY+1.0% QoQ
|
$-21.0M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$2.8M
+2.0% YoY-3.2% QoQ
|
$-13.0M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$5.5M
-1.4% YoY+1.3% QoQ
|
$-20.2M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
1.2%
-5.2% YoY-3.5% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
3.4%
-0.5% YoY-1.0% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
55.5%
+2.1% YoY+2.0% QoQ
|
-27.0% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.6% in tier |
| Delinquency Rate |
1.7%
+154.4% YoY-12.3% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
50.1%
+3.5% YoY-4.5% QoQ
|
-10.5% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$17,848
+8.3% YoY+6.4% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration | 0.0% | -24.4% | 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)