BlastPoint's Credit Union Scorecard
FRIONA TEXAS
Charter #9843 · TX
FRIONA TEXAS has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 3.32% below tier average
- - Efficiency ratio 36.50% above tier (higher cost structure)
- - Delinquency rate 9.64% above tier average
- - Net Charge-Off Rate: Bottom 1.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.0% in tier
- - Loan Growth Rate: Bottom 5.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,653
+0.5% YoY0% QoQ
|
-962 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$15.0M
+3.7% YoY+0.2% QoQ
|
$-15.1M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$4.9M
-20.7% YoY-7.3% QoQ
|
$-10.9M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$12.1M
+1.7% YoY-1.1% QoQ
|
$-13.6M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
-2.7%
+36.1% YoY+248.3% QoQ
|
-3.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.3% in tier |
| NIM |
2.9%
-30.0% YoY-9.2% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
119.1%
+54.7% YoY+9.2% QoQ
|
+36.5% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 4.3% in tier |
| Delinquency Rate |
11.2%
+24.8% YoY-15.1% QoQ
|
+9.6 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 2.0% in tier |
| Loan To Share |
40.5%
-22.1% YoY-6.2% QoQ
|
-20.1% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$10,310
-6.4% YoY-3.0% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
22.8%
+14.2% YoY+1.4% QoQ
|
-1.6% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)