BlastPoint's Credit Union Scorecard
SP TRAINMEN
Charter #9496 · TX
2556 CUs in <100M nationally
243 in TX
SP TRAINMEN has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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 Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 8.71% below tier average
- - Efficiency ratio 319.73% above tier (higher cost structure)
- - Delinquency rate 3.52% above tier average
- - Member decline: -4.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 6.1% in tier
- - Asset Growth Rate: Bottom 7.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.6% in tier
- - Fee Income Per Member: Bottom 9.2% in tier
- - Total Loans: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
476
-4.4% YoY-1.9% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 12.7% in tier |
| Assets |
$2.7M
-8.3% YoY-5.5% QoQ
|
$-27.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.7% in tier |
| Loans |
$717,724
-9.8% YoY-6.8% QoQ
|
$-15.0M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.1% in tier |
| Deposits |
$2.3M
+3.8% YoY-2.6% QoQ
|
$-23.4M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 12.4% in tier |
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| ROA |
-8.1%
+76.5% YoY-26.2% QoQ
|
-8.7% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.5% in tier |
| NIM |
2.6%
+4.3% YoY-15.0% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.4% in tier |
| Efficiency Ratio |
402.3%
+45.3% YoY-10.4% QoQ
|
+319.7% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 0.5% in tier |
| Delinquency Rate |
5.1%
+3.5% YoY-80.2% QoQ
|
+3.5 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 6.1% in tier |
| Loan To Share |
31.9%
-13.0% YoY-4.3% QoQ
|
-28.8% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.7% in tier |
| AMR |
$6,240
+4.8% YoY-1.8% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.5% in tier |
| 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)
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 (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (17 metrics)
2545
Efficiency Ratio
profitability
Value:
402.29%
Peer Median: -
#2545 of 2556
Bottom 0.5% in <100M tier
2542
Return on Assets (ROA)
profitability
Value:
-8.09%
Peer Median: -
#2542 of 2556
Bottom 0.6% in <100M tier
2402
Total Delinquency Rate (60+ days)
risk
Value:
5.07%
Peer Median: -
#2402 of 2556
Bottom 6.1% in <100M tier
2379
Asset Growth Rate
growth
Value:
-8.25%
Peer Median: -
#2379 of 2556
Bottom 7.0% in <100M tier
2337
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,508
Peer Median: -
#2337 of 2556
Bottom 8.6% in <100M tier
2323
Fee Income Per Member
profitability
Value:
$2.12
Peer Median: -
#2323 of 2556
Bottom 9.2% in <100M tier
2323
Total Loans
balance_sheet
Value:
$717,724
Peer Median: -
#2323 of 2556
Bottom 9.2% in <100M tier
2291
Net Interest Margin (NIM)
profitability
Value:
2.64%
Peer Median: -
#2291 of 2556
Bottom 10.4% in <100M tier
2258
Total Assets
balance_sheet
Value:
$2.70M
Peer Median: -
#2258 of 2556
Bottom 11.7% in <100M tier
2256
Loan-to-Share Ratio
balance_sheet
Value:
31.86%
Peer Median: -
#2256 of 2556
Bottom 11.8% in <100M tier