BlastPoint's Credit Union Scorecard
MARSHALL T & P EMPLOYEES
Charter #5686 · TX
MARSHALL T & P EMPLOYEES has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Share Certificate Concentration (%): Bottom 2.9% in tier
- - Net Interest Margin (NIM): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,415
+1.2% YoY+0.2% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$16.6M
+8.8% YoY+2.3% QoQ
|
$-13.6M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$10.4M
-0.4% YoY-1.6% QoQ
|
$-5.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$13.4M
+10.4% YoY+3.4% QoQ
|
$-12.3M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
0.5%
+20.9% YoY-59.0% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
2.6%
-21.9% YoY-21.4% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.5% in tier |
| Efficiency Ratio |
76.9%
-0.9% YoY+27.7% QoQ
|
-5.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.5%
-59.8% YoY-0.1% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
77.6%
-9.7% YoY-4.9% QoQ
|
+17.0% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$16,837
+4.1% YoY+0.9% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
51.8%
+12.4% YoY+0.8% QoQ
|
+27.4% | 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)