BlastPoint's Credit Union Scorecard
HEREFORD TEXAS
Charter #1401 · TX
HEREFORD TEXAS demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Net Interest Margin 0.32% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Total Members: Top 3.2% in tier
- + Total Loans: Top 9.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,263
-0.7% YoY+0.6% QoQ
|
+5.6K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 3.3% in tier |
| Assets |
$74.6M
+3.4% YoY+2.6% QoQ
|
+$44.5M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 10.1% in tier |
| Loans |
$41.8M
-7.2% YoY-0.6% QoQ
|
+$26.1M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 9.1% in tier |
| Deposits |
$56.9M
+2.9% YoY+3.0% QoQ
|
+$31.2M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 14.1% in tier |
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| ROA |
0.8%
+6.8% YoY+32.1% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
4.3%
+3.6% YoY-1.0% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
81.5%
+3.1% YoY+0.0% QoQ
|
-1.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.7%
-44.1% YoY-10.3% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
73.5%
-9.8% YoY-3.5% QoQ
|
+12.8% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$11,949
-0.9% YoY+0.8% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
29.9%
+20.0% YoY+7.3% QoQ
|
+5.5% | 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)