BlastPoint's Credit Union Scorecard
TEXAS PEOPLE
Charter #5337 · TX
TEXAS PEOPLE has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 4.9% in tier
- + Loan-to-Share Ratio: Top 8.9% in tier
- + AMR Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Efficiency ratio 5.43% above tier (higher cost structure)
- - Delinquency rate 0.02% above tier average
- - Member decline: -13.6% YoY
- - Member Growth Rate: Bottom 3.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,940
-13.6% YoY-0.5% QoQ
|
-675 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$24.2M
-3.5% YoY-1.2% QoQ
|
$-5.9M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$17.8M
-6.2% YoY-3.5% QoQ
|
+$2.0M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$19.5M
-3.6% YoY-1.6% QoQ
|
$-6.2M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.1%
-114.3% YoY-70.9% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
5.0%
+1.7% YoY+0.4% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 14.0% in tier |
| Efficiency Ratio |
88.0%
-15.5% YoY-3.2% QoQ
|
+5.4% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.6%
+68.3% YoY-24.0% QoQ
|
+0.0 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
91.2%
-2.7% YoY-1.9% QoQ
|
+30.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 9.0% in tier |
| AMR |
$19,182
+10.1% YoY-2.0% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
19.2%
+32.0% YoY+0.9% QoQ
|
-5.2% | 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)