BlastPoint's Credit Union Scorecard
TEXAS PLAINS
Charter #3828 · TX
TEXAS PLAINS has 10 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
- + Strong member growth: 10.6% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 1.4% in tier
- + Member Growth Rate: Top 2.7% in tier
- + Fee Income Per Member: Top 3.2% in tier
- + Asset Growth Rate: Top 4.7% in tier
- + Total Loans: Top 5.6% in tier
- + Loan Growth Rate: Top 7.8% in tier
- + Deposit Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Efficiency ratio 2.50% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,920
+10.6% YoY+0.4% QoQ
|
+7.3K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 1.4% in tier |
| Assets |
$70.5M
+13.3% YoY-1.6% QoQ
|
+$40.4M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 12.3% in tier |
| Loans |
$49.9M
+12.5% YoY+2.1% QoQ
|
+$34.1M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 5.6% in tier |
| Deposits |
$59.8M
+11.1% YoY-2.2% QoQ
|
+$34.2M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 12.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+64.8% YoY+217.7% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
41% |
| NIM |
4.3%
+0.0% YoY-3.5% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
85.1%
-5.7% YoY-3.9% QoQ
|
+2.5% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.8%
+135.9% YoY+79.5% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
83.4%
+1.2% YoY+4.4% QoQ
|
+22.8% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$11,064
+1.1% YoY-0.7% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
32.9%
+6.7% YoY+0.8% QoQ
|
+8.5% | 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)