BlastPoint's Credit Union Scorecard
FRIONA TEXAS
Charter #9843 · TX
FRIONA TEXAS has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.50% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 38.86% above tier (higher cost structure)
- - Delinquency rate 10.86% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.6% in tier
- - Net Interest Margin (NIM): Bottom 5.0% in tier
- - Loan Growth Rate: Bottom 9.2% 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 -2.8% year over year ($12.0M in shares and deposits).
- Membership: 1,655 members, +0.4% vs a year ago.
- Delinquency rate 12.40%.
- Return on assets 3.00%.
- Efficiency ratio 127.62% vs a 88.77% peer average.
- Loan-to-share ratio 39.18% 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 |
1,655
+0.4% YoY0% QoQ
|
-930 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$14.1M
-5.5% YoY-2.2% QoQ
|
$-16.1M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$4.7M
-17.4% YoY-0.9% QoQ
|
$-10.8M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$12.0M
-2.8% YoY-2.3% QoQ
|
$-13.8M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
40% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
3.0%
-231.6% YoY-159.2% QoQ
|
+1.5% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 4.1% in tier |
| NIM |
2.3%
-34.1% YoY+2.0% QoQ
|
-1.6% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 5.0% in tier |
| Efficiency Ratio |
127.6%
+22.0% YoY+2.3% QoQ
|
+38.9% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.8% in tier |
| Delinquency Rate |
12.4%
-8.6% YoY+6.2% QoQ
|
+10.9 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.6% in tier |
| Loan To Share |
39.2%
-15.0% YoY+1.4% QoQ
|
-19.7% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$10,096
-7.7% YoY-1.9% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
24.8%
+10.6% YoY+8.3% QoQ
|
+0.2% | 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)