BlastPoint's Credit Union Scorecard
TEXARKANA TERMINAL EMPLOYEES
Charter #5822 · TX
TEXARKANA TERMINAL EMPLOYEES has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Net Interest Margin 2.32% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 6.68% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 4.7% in tier
- - Deposit Growth Rate: Bottom 6.3% in tier
- - AMR Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,271
-1.2% YoY-0.4% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$10.4M
-9.8% YoY-2.3% QoQ
|
$-19.7M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$7.4M
-5.6% YoY-2.7% QoQ
|
$-8.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$9.4M
-10.6% YoY-1.7% QoQ
|
$-16.3M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
0.8%
-155.7% YoY+5.9% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
6.3%
+29.0% YoY+3.1% QoQ
|
+2.3% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 3.1% in tier |
| Efficiency Ratio |
89.2%
-13.4% YoY-0.3% QoQ
|
+6.7% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.7%
+50.8% YoY+2228.5% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
79.1%
+5.6% YoY-1.0% QoQ
|
+18.5% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$13,239
-7.4% YoY-1.8% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
23.7%
-30.9% YoY-9.8% QoQ
|
-0.8% | 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)