BlastPoint's Credit Union Scorecard

FRIONA TEXAS

Charter #9843 · TX

<100M

2508 CUs in <100M nationally 237 in TX

FRIONA TEXAS 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 5.21% below tier average
- Efficiency ratio 34.10% above tier (higher cost structure)
- Delinquency rate 10.18% above tier average
- Total Delinquency Rate (60+ days): Bottom 1.8% in tier
- Net Interest Margin (NIM): Bottom 5.1% in tier
- Loan Growth Rate: Bottom 6.1% in tier
- Net Charge-Off Rate: Bottom 7.7% in tier
- AMR Growth Rate: Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	1,655 +0.7% YoY+0.1% QoQ	-1.0K	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	44%
Assets	$14.5M -4.4% YoY-3.7% QoQ	$-15.7M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	40%
Loans	$4.7M -20.2% YoY-3.3% QoQ	$-10.5M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	33%
Deposits	$12.3M -2.1% YoY+1.2% QoQ	$-13.5M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	40%

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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	-5.1% -18.2% YoY+87.8% QoQ	-5.2%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Bottom 1.8% in tier
NIM	2.2% -37.0% YoY-24.1% QoQ	-1.8%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Bottom 5.0% in tier
Efficiency Ratio	124.7% -14.1% YoY+4.8% QoQ	+34.1%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Bottom 5.0% in tier
Delinquency Rate	11.7% +35.7% YoY+4.3% QoQ	+10.2	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Bottom 1.8% in tier
Loan To Share	38.6% -18.5% YoY-4.5% QoQ	-19.9%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	20%
AMR	$10,290 -8.6% YoY-0.2% QoQ	$-5K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	30%
CD Concentration	22.9% +5.5% YoY+0.3% QoQ	-1.4%	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 (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 (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

Top Weaknesses (10 metrics)

2464

Return on Assets (ROA)

profitability

Value: -5.06%

Peer Median: 0.61%

#2464 of 2508 Bottom 1.8% in <100M tier

2463

Total Delinquency Rate (60+ days)

risk

Value: 11.68%

Peer Median: 0.65%

#2463 of 2508 Bottom 1.8% in <100M tier

2384

Efficiency Ratio

profitability

Value: 124.74%

Peer Median: 81.45%

#2384 of 2508 Bottom 5.0% in <100M tier

2382

Net Interest Margin (NIM)

profitability

Value: 2.21%

Peer Median: 3.83%

#2382 of 2508 Bottom 5.1% in <100M tier

2356

Loan Growth Rate

growth

Value: -20.19%

Peer Median: -2.36%

#2356 of 2508 Bottom 6.1% in <100M tier

2317

Net Charge-Off Rate

risk

Value: 1.72%

Peer Median: 0.07%

#2317 of 2508 Bottom 7.7% in <100M tier

2284

AMR Growth Rate

growth

Value: -8.55%

Peer Median: 1.27%

#2284 of 2508 Bottom 9.0% in <100M tier

2105

Asset Growth Rate

growth

Value: -4.43%

Peer Median: 1.30%

#2105 of 2508 Bottom 16.1% in <100M tier

2002

Loan-to-Share Ratio

balance_sheet

Value: 38.64%

Peer Median: 58.72%

#2002 of 2508 Bottom 20.2% in <100M tier

1927

Loan-to-Member Ratio (LMR)

engagement

Value: $2,868

Peer Median: $4,923

#1927 of 2508 Bottom 23.2% in <100M tier