BlastPoint's Credit Union Scorecard
SP TRAINMEN
Charter #9496 · TX
SP TRAINMEN has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.24% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Efficiency ratio 36.66% above tier (higher cost structure)
- - Delinquency rate 24.49% above tier average
- - Member decline: -12.6% YoY
- - Total Delinquency Rate (60+ days): Bottom 0.8% in tier
- - Member Growth Rate: Bottom 4.1% in tier
- - Asset Growth Rate: Bottom 7.3% in tier
- - Loan Growth Rate: Bottom 7.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -3.2% year over year ($2.2M in shares and deposits).
- Membership: 423 members, -12.6% vs a year ago.
- Delinquency rate 26.03%.
- Return on assets 1.32%.
- Efficiency ratio 125.42% vs a 88.77% peer average.
- Loan-to-share ratio 29.46% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
423
-12.6% YoY-10.8% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Bottom 11.8% in tier |
| Assets |
$2.7M
-8.4% YoY+0.2% QoQ
|
$-27.6M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.6% in tier |
| Loans |
$660,029
-18.8% YoY+3.6% QoQ
|
$-14.8M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.8% in tier |
| Deposits |
$2.2M
-3.2% YoY-2.4% QoQ
|
$-23.6M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.2% in tier |
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| ROA |
1.3%
-124.9% YoY-169.9% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
74% |
| NIM |
5.1%
+73.5% YoY+89.8% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 9.7% in tier |
| Efficiency Ratio |
125.4%
-54.7% YoY-25.7% QoQ
|
+36.7% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 4.2% in tier |
| Delinquency Rate |
26.0%
+10.3% YoY+673.5% QoQ
|
+24.5 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.8% in tier |
| Loan To Share |
29.5%
-16.1% YoY+6.2% QoQ
|
-29.4% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.6% in tier |
| AMR |
$6,856
+6.1% YoY+10.8% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.2% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)