BlastPoint's Credit Union Scorecard

SANTA FE

Charter #9971 · TX

1077 CUs in 100M-500M nationally 79 in TX

SANTA FE has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 24.6% in tier
+ Emerging Performer: Top 82.6% in tier
+ First Mortgage Concentration (%): Top 3.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 16.7% in tier
- Shrinking Wallet Share: Bottom 18.0% in tier
- Cost Spiral: Bottom 21.8% in tier
- ROA 0.09% below tier average
- Share Certificate Concentration (%): Bottom 2.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	13,525 +2.6% YoY-1.7% QoQ	-2.1K	15,628 -3.4% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	50%
Assets	$216.0M +6.2% YoY+0.6% QoQ	$-15.3M	$231.3M -0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	56%
Loans	$122.2M -5.0% YoY-1.4% QoQ	$-25.6M	$147.8M -1.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	49%
Deposits	$186.0M +5.5% YoY+1.1% QoQ	$-14.3M	$200.3M -0.0% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	55%

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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	0.7% +10.4% YoY+6.0% QoQ	-0.1%	0.8% +15.5% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	45%
NIM	3.3% +18.2% YoY+1.0% QoQ	-0.3%	3.6% +6.9% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	32%
Efficiency Ratio	75.7% +8.4% YoY+0.0% QoQ	-1.6%	77.3% -3.0% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	45%
Delinquency Rate	0.8% -29.6% YoY+30.5% QoQ	-0.1	0.9% +7.6% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	60%
Loan To Share	65.7% -9.9% YoY-2.5% QoQ	-7.0%	72.7% -1.5% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	32%
AMR	$22,790 -1.5% YoY+1.8% QoQ	$-2K	$24,363 +2.9% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	52%
CD Concentration	46.8% -2.1% YoY+5.1% QoQ	+22.4%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	25.6% -26.9% YoY-8.0% QoQ	+11.6%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#451 of 603 • Top 24.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.61%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.69%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 25.61%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth

#158 of 191 • Top 82.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.69%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 2.61%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#269 of 525 • Bottom 16.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.21%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 25.61%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 2.61%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#180 of 244 • Bottom 18.0% in tier

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

Why This Signature

AMR Growth (YoY): -1.51%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Cost Spiral

risk

#54 of 62 • Bottom 21.8% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.86% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 46.12%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 2.12%

Peer Avg: -

#33 of 1077 Top 3.0% in 100M-500M tier

252

Member Growth Rate

growth

Value: 2.61%

Peer Avg: -

#252 of 1077 Top 23.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1047

Share Certificate Concentration (%)

balance_sheet

Value: 46.84%

Peer Avg: -

#1047 of 1077 Bottom 2.9% in 100M-500M tier

955

Net Charge-Off Rate

risk

Value: 0.91%

Peer Avg: -

#955 of 1077 Bottom 11.4% in 100M-500M tier

935

Loan Growth Rate

growth

Value: -5.00%

Peer Avg: -

#935 of 1077 Bottom 13.3% in 100M-500M tier

932

AMR Growth Rate

growth

Value: -1.51%

Peer Avg: -

#932 of 1077 Bottom 13.6% in 100M-500M tier

853

Indirect Auto Concentration (%)

balance_sheet

Value: 25.61%

Peer Avg: -

#853 of 1077 Bottom 20.9% in 100M-500M tier

815

Members Per Employee (MPE)

engagement

Value: 265.196

Peer Avg: -

#815 of 1077 Bottom 24.4% in 100M-500M tier