BlastPoint's Credit Union Scorecard
FRIONA TEXAS
Charter #9843 ยท TX
2596 CUs in <100M nationally
245 in TX
FRIONA TEXAS has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 27.69% above tier (higher cost structure)
- - Delinquency rate 11.68% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.8% in tier
- - Loan Growth Rate: Bottom 5.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,653
+0.5% YoY+0.2% QoQ
|
-972 |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$15.0M
-0.1% YoY-0.0% QoQ
|
$-14.9M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$5.3M
-21.4% YoY-6.9% QoQ
|
$-10.5M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
36% |
| Deposits |
$12.3M
+0.4% YoY-0.6% QoQ
|
$-13.2M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
41% |
| ROA |
-0.8%
+118.9% YoY-66.0% QoQ
|
-1.5% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.7% in tier |
| NIM |
3.2%
-23.2% YoY-6.3% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
109.1%
+45.7% YoY+4.2% QoQ
|
+27.7% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 6.5% in tier |
| Delinquency Rate |
13.2%
+2.2% YoY-2.8% QoQ
|
+11.7 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 1.8% in tier |
| Loan To Share |
43.2%
-21.7% YoY-6.4% QoQ
|
-18.1% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$10,630
-7.8% YoY-2.8% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
22.5%
+17.7% YoY+0.5% QoQ
|
-1.9% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
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 (2 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (7 metrics)
2551
Total Delinquency Rate (60+ days)
risk
Value:
13.19%
Peer Avg: 1.51%
#2551 of 2596
Bottom 1.8% in <100M tier
2462
Loan Growth Rate
growth
Value:
-21.44%
Peer Avg: 59.01%
#2462 of 2596
Bottom 5.2% in <100M tier
2429
Efficiency Ratio
profitability
Value:
109.08%
Peer Avg: 81.39%
#2429 of 2596
Bottom 6.5% in <100M tier
2422
Return on Assets (ROA)
profitability
Value:
-0.77%
Peer Avg: 0.68%
#2422 of 2596
Bottom 6.7% in <100M tier
2313
AMR Growth Rate
growth
Value:
-7.82%
Peer Avg: 4.67%
#2313 of 2596
Bottom 10.9% in <100M tier
1998
Loan-to-Share Ratio
balance_sheet
Value:
43.16%
Peer Avg: 61.23%
#1998 of 2596
Bottom 23.1% in <100M tier
1971
Net Interest Margin (NIM)
profitability
Value:
3.20%
Peer Avg: 3.93%
#1971 of 2596
Bottom 24.1% in <100M tier