BlastPoint's Credit Union Scorecard

TEXASGULF

Charter #2322 · TX

1069 CUs in 100M-500M nationally 79 in TX

TEXASGULF has 4 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 62.8% in tier
+ Emerging Performer: Top 77.9% in tier
+ ROA 0.38% above tier average
+ Members Per Employee (MPE): Top 7.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 36.9% in tier
- Credit Quality Pressure: Bottom 58.1% in tier
- Indirect Auto Dependency: Bottom 80.2% in tier
- Fee Income Per Member: Bottom 5.4% in tier
- Share Certificate Concentration (%): Bottom 6.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	14,893 +1.5% YoY+0.3% QoQ	-544	15,437 -2.9% YoY	27,007 +3.4% YoY	33,374 +5.7% YoY	58%
Assets	$215.5M +4.8% YoY+1.0% QoQ	$-16.3M	$231.9M +1.3% YoY	$418.5M +7.2% YoY	$561.6M +9.7% YoY	55%
Loans	$136.3M +9.0% YoY+2.8% QoQ	$-11.0M	$147.3M -0.1% YoY	$298.6M +5.4% YoY	$397.0M +8.8% YoY	56%
Deposits	$183.8M +2.4% YoY+1.4% QoQ	$-17.0M	$200.8M +0.8% YoY	$347.2M +7.2% YoY	$477.3M +9.7% YoY	54%

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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	1.1% +40.9% YoY+3.9% QoQ	+0.4%	0.8% +18.2% YoY	0.6% +2.3% YoY	0.7% +15.9% YoY	77%
NIM	3.1% +27.0% YoY-0.1% QoQ	-0.5%	3.6% +6.7% YoY	3.9% +3.4% YoY	3.8% +5.1% YoY	21%
Efficiency Ratio	64.1% -7.5% YoY-1.1% QoQ	-12.9%	77.0% -3.1% YoY	80.2% -0.8% YoY	79.7% -3.3% YoY	Bottom 13.0% in tier
Delinquency Rate	0.6% +35.5% YoY+2.7% QoQ	-0.3	0.9% +4.2% YoY	1.3% +11.4% YoY	1.3% -2.1% YoY	44%
Loan To Share	74.2% +6.4% YoY+1.4% QoQ	+2.0%	72.2% -1.1% YoY	71.4% -2.7% YoY	67.4% -1.7% YoY	51%
AMR	$21,495 +3.6% YoY+1.6% QoQ	$-3K	$24,676 +3.4% YoY	$17,599 +2.5% YoY	$19,687 +2.0% YoY	43%
CD Concentration	41.0% +1.3% YoY+1.6% QoQ	+16.5%	24.4%	21.2%	19.8%	50%
Indirect Auto %	20.4% +81.3% YoY+2.4% QoQ	+6.6%	13.8%	7.1%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#374 of 595 • Top 62.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.45%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.14%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 20.38%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#142 of 182 • Top 77.9% 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: 1.14%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.45%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#169 of 456 • Bottom 36.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.01%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#410 of 705 • Bottom 58.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#406 of 506 • Bottom 80.2% in tier

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

Why This Signature

Asset Growth (YoY): 4.77%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 20.38%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.45%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (5 metrics)

Members Per Employee (MPE)

engagement

Value: 480.419

Peer Median: -

#84 of 1069 Top 7.8% in 100M-500M tier

140

Efficiency Ratio

profitability

Value: 64.10%

Peer Median: -

#140 of 1069 Top 13.0% in 100M-500M tier

214

Loan Growth Rate

growth

Value: 9.01%

Peer Median: -

#214 of 1069 Top 19.9% in 100M-500M tier

218

Net Worth Ratio

risk

Value: 14.16%

Peer Median: -

#218 of 1069 Top 20.3% in 100M-500M tier

249

Return on Assets (ROA)

profitability

Value: 1.14%

Peer Median: -

#249 of 1069 Top 23.2% in 100M-500M tier

Top Weaknesses (3 metrics)

1012

Fee Income Per Member

profitability

Value: $73.96

Peer Median: -

#1012 of 1069 Bottom 5.4% in 100M-500M tier

998

Share Certificate Concentration (%)

balance_sheet

Value: 40.97%

Peer Median: -

#998 of 1069 Bottom 6.7% in 100M-500M tier

849

Net Interest Margin (NIM)

profitability

Value: 3.06%

Peer Median: -

#849 of 1069 Bottom 20.7% in 100M-500M tier