BlastPoint's Credit Union Scorecard

SP TRAINMEN

Charter #9496 · TX

<100M

2508 CUs in <100M nationally 237 in TX

SP TRAINMEN faces 8 concerns requiring attention

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 2.04% below tier average
- Efficiency ratio 78.14% above tier (higher cost structure)
- Delinquency rate 1.86% above tier average
- Member decline: -4.2% YoY
- Loan Growth Rate: Bottom 6.5% in tier
- Loan-to-Member Ratio (LMR): Bottom 8.1% in tier
- Total Loans: Bottom 9.1% in tier
- Total Delinquency Rate (60+ days): Bottom 9.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	474 -4.2% YoY-0.4% QoQ	-2.2K	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Bottom 12.8% in tier
Assets	$2.7M -5.4% YoY+0.9% QoQ	$-27.5M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Bottom 11.8% in tier
Loans	$637,331 -19.8% YoY-11.2% QoQ	$-14.6M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	Bottom 9.1% in tier
Deposits	$2.3M +8.4% YoY+1.9% QoQ	$-23.5M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Bottom 12.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-1.9% -56.8% YoY-76.6% QoQ	-2.0%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 5.0% in tier
NIM	2.7% -11.9% YoY+2.6% QoQ	-1.3%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Bottom 11.3% in tier
Efficiency Ratio	168.8% -29.9% YoY-58.0% QoQ	+78.1%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 2.3% in tier
Delinquency Rate	3.4% -28.9% YoY-33.7% QoQ	+1.9	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Bottom 9.6% in tier
Loan To Share	27.8% -26.0% YoY-12.9% QoQ	-30.8%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Bottom 9.6% in tier
AMR	$6,189 +5.2% YoY-0.8% QoQ	$-9K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Bottom 12.3% in tier
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)

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

288

Deposit Growth Rate

growth

Value: 8.41%

Peer Median: 0.66%

#288 of 2508 Top 11.4% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (17 metrics)

2452

Efficiency Ratio

profitability

Value: 168.77%

Peer Median: 81.45%

#2452 of 2508 Bottom 2.3% in <100M tier

2383

Return on Assets (ROA)

profitability

Value: -1.89%

Peer Median: 0.61%

#2383 of 2508 Bottom 5.0% in <100M tier

2346

Loan Growth Rate

growth

Value: -19.77%

Peer Median: -2.36%

#2346 of 2508 Bottom 6.5% in <100M tier

2306

Loan-to-Member Ratio (LMR)

engagement

Value: $1,345

Peer Median: $4,923

#2306 of 2508 Bottom 8.1% in <100M tier

2281

Total Loans

balance_sheet

Value: $637,331

Peer Median: $9.48M

#2281 of 2508 Bottom 9.1% in <100M tier

2267

Total Delinquency Rate (60+ days)

risk

Value: 3.37%

Peer Median: 0.65%

#2267 of 2508 Bottom 9.6% in <100M tier

2266

Loan-to-Share Ratio

balance_sheet

Value: 27.76%

Peer Median: 58.72%

#2266 of 2508 Bottom 9.7% in <100M tier

2231

Fee Income Per Member

profitability

Value: $2.32

Peer Median: $60.42

#2231 of 2508 Bottom 11.1% in <100M tier

2225

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Median: 3.83%

#2225 of 2508 Bottom 11.3% in <100M tier

2212

Total Assets

balance_sheet

Value: $2.72M

Peer Median: $21.86M

#2212 of 2508 Bottom 11.8% in <100M tier