BlastPoint's Credit Union Scorecard
TEXAS COMMUNITY
Charter #1879 · TX
TEXAS COMMUNITY has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Net Interest Margin 1.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 3.7% in tier
- + Deposit Growth Rate: Top 3.7% in tier
- + Fee Income Per Member: Top 6.8% in tier
- + AMR Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.40% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,841
+1.1% YoY+0.3% QoQ
|
+225 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$30.5M
+14.1% YoY+9.9% QoQ
|
+$342K |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$20.1M
+10.6% YoY+2.1% QoQ
|
+$4.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$26.1M
+15.2% YoY+11.8% QoQ
|
+$395K |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
1.1%
-16.0% YoY-22.5% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
5.4%
-10.8% YoY-4.0% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 8.3% in tier |
| Efficiency Ratio |
74.4%
+1.1% YoY-0.6% QoQ
|
-8.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
3.0%
-2.8% YoY-3.6% QoQ
|
+1.4 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 13.3% in tier |
| Loan To Share |
77.0%
-4.0% YoY-8.7% QoQ
|
+16.4% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$16,247
+11.9% YoY+7.0% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
32.5%
-13.1% YoY-5.2% QoQ
|
+8.1% | 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)