BlastPoint's Credit Union Scorecard
TEMPLE-INLAND
Charter #6726 · TX
TEMPLE-INLAND has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.59% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 6.3% in tier
- + Members Per Employee (MPE): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,685
+1.1% YoY+0.2% QoQ
|
-930 |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$20.2M
+2.1% YoY+1.0% QoQ
|
$-9.9M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$7.5M
+3.2% YoY-2.5% QoQ
|
$-8.3M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$17.0M
+0.7% YoY+0.7% QoQ
|
$-8.7M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
1.2%
+80.3% YoY+2.5% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
75% |
| NIM |
2.5%
+4.6% YoY+0.1% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.3% in tier |
| Efficiency Ratio |
67.6%
-16.4% YoY-0.7% QoQ
|
-14.9% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
44.1%
+2.4% YoY-3.2% QoQ
|
-16.5% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$14,502
+0.3% YoY-0.5% QoQ
|
$-280 |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
1.1%
+200.9% YoY-20.1% QoQ
|
-23.3% | 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)