BlastPoint's Credit Union Scorecard

INVESTEX

Charter #97112 · TX

100M-500M
1070 CUs in 100M-500M nationally 80 in TX

INVESTEX faces 5 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

  • - Efficiency Drag: Bottom 50.0% in tier
  • - Deposit Outflow: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - ROA 0.56% below tier average
  • - Efficiency ratio 4.56% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 21,415
-0.3% YoY+0.1% QoQ
 +6.3K 15,145
-2.5% YoY
 29,039
+7.4% YoY
 33,913
+5.7% YoY
 81%
Assets $245.3M
+0.6% YoY+2.4% QoQ
 +$13.5M $231.7M
+0.8% YoY
 $450.8M
+10.3% YoY
 $578.3M
+9.0% YoY
 62%
Loans $128.1M
-1.3% YoY-0.6% QoQ
 $-16.1M $144.1M
+0.2% YoY
 $318.1M
+8.9% YoY
 $402.4M
+8.7% YoY
 53%
Deposits $228.4M
-0.8% YoY+2.4% QoQ
 +$27.3M $201.1M
+0.4% YoY
 $378.7M
+10.8% YoY
 $494.3M
+9.1% YoY
 65%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.2%
-191.3% YoY-40.2% QoQ
 -0.6% 0.7%
+5.1% YoY
 -0.2%
-134.7% YoY
 0.4%
-39.2% YoY
 Bottom 14.9% in tier
NIM 3.0%
+10.0% YoY+1.6% QoQ
 -0.7% 3.6%
+4.6% YoY
 3.9%
-0.7% YoY
 3.8%
+4.1% YoY
 Bottom 14.2% in tier
Efficiency Ratio 82.6%
-12.0% YoY-0.0% QoQ
 +4.6% 78.0%
-1.7% YoY
 98.7%
+20.4% YoY
 84.6%
+2.8% YoY
 64%
Delinquency Rate 0.6%
-23.8% YoY-5.2% QoQ
 -0.1 0.8%
+7.1% YoY
 1.2%
+13.1% YoY
 1.2%
+3.4% YoY
 53%
Loan To Share 56.1%
-0.5% YoY-2.9% QoQ
 -14.3% 70.4%
-0.4% YoY
 69.5%
-2.6% YoY
 65.6%
-1.4% YoY
 20%
AMR $16,649
-0.7% YoY+1.1% QoQ
 $-8K $24,918
+2.7% YoY
 $17,820
+2.9% YoY
 $19,920
+1.6% YoY
 Bottom 14.8% in tier
CD Concentration 24.7%
+0.7% YoY+1.0% QoQ
 +0.4% 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 (3)

Efficiency Drag

risk
#351 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.58%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.34% points
(Tier: 0.05% points, National: -0.45% points)
but better than tier avg
Member Growth (YoY): -0.34%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 CUs YoY | Rank worsening

Deposit Outflow

decline
#66 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.82%
(Tier: 4.30%, National: 64.06%)
worse than tier avg
Member Growth (YoY): -0.34%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally
→ No prior data (72 CUs now) | New qualifier

Shrinking Wallet Share

decline
#223 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.66%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | New qualifier

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)

Comparing against 1070 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.61%
#1 of 1070 Top 0.1% in 100M-500M tier
205
Total Members
engagement
Value: 21,415
Peer Median: 13,200
#205 of 1070 Top 19.1% in 100M-500M tier

Top Weaknesses (9 metrics)

959
Net Charge-Off Rate
risk
Value: 1.06%
Peer Median: 0.35%
#959 of 1070 Bottom 10.5% in 100M-500M tier
928
Loan-to-Member Ratio (LMR)
engagement
Value: $5,981
Peer Median: $9,356
#928 of 1070 Bottom 13.4% in 100M-500M tier
918
Net Interest Margin (NIM)
profitability
Value: 2.96%
Peer Median: 3.62%
#918 of 1070 Bottom 14.3% in 100M-500M tier
912
Average Member Relationship (AMR)
engagement
Value: $16,649
Peer Median: $22,931
#912 of 1070 Bottom 14.9% in 100M-500M tier
911
Return on Assets (ROA)
profitability
Value: 0.16%
Peer Median: 0.69%
#911 of 1070 Bottom 15.0% in 100M-500M tier
901
Deposit Growth Rate
growth
Value: -0.82%
Peer Median: 3.30%
#901 of 1070 Bottom 15.9% in 100M-500M tier
886
AMR Growth Rate
growth
Value: -0.66%
Peer Median: 3.46%
#886 of 1070 Bottom 17.3% in 100M-500M tier
859
Loan-to-Share Ratio
balance_sheet
Value: 56.07%
Peer Median: 71.88%
#859 of 1070 Bottom 19.8% in 100M-500M tier
844
Asset Growth Rate
growth
Value: 0.56%
Peer Median: 3.91%
#844 of 1070 Bottom 21.2% in 100M-500M tier
Link copied to clipboard!