BlastPoint's Credit Union Scorecard
MORRIS SHEPPARD TEXARKANA
Charter #1 · TX
MORRIS SHEPPARD TEXARKANA has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 5.2% in tier
- + Asset Growth Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,254
-1.0% YoY-0.3% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$13.3M
+12.5% YoY+5.0% QoQ
|
$-16.8M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$8.7M
-4.6% YoY-0.8% QoQ
|
$-7.0M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$11.8M
+13.2% YoY+5.5% QoQ
|
$-13.8M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
0.7%
-6.1% YoY-5.2% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
3.7%
-2.6% YoY-3.5% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
81.3%
+1.9% YoY+1.4% QoQ
|
-1.3% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.7%
-22.1% YoY+72.1% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
73.8%
-15.7% YoY-6.0% QoQ
|
+13.2% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$16,414
+6.0% YoY+3.0% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
38.7%
+13.0% YoY-3.2% QoQ
|
+14.2% | 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)