BlastPoint's Credit Union Scorecard
HARRIS COUNTY
Charter #7552 · TX
HARRIS COUNTY has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 8.9% in tier
- + Emerging Performer: Top 14.9% in tier
- + Organic Growth Leader: Top 37.2% in tier
- + ROA 1.15% above tier average
- + Net Interest Margin 0.63% above tier average
- + Net Worth Ratio: Top 1.6% in tier
- + Efficiency Ratio: Top 3.3% in tier
- + Members Per Employee (MPE): Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 14.9% in tier
- - Credit Quality Pressure: Bottom 21.6% in tier
- - Shrinking Wallet Share: Bottom 37.7% in tier
- - Delinquency rate 0.74% above tier average
- - AMR Growth Rate: Bottom 6.2% in tier
- - Average Member Relationship (AMR): Bottom 7.1% in tier
- - Loan Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,913
+3.3% YoY+0.9% QoQ
|
+4.5K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$218.0M
+4.6% YoY+1.1% QoQ
|
$-13.9M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$113.4M
-5.8% YoY-1.6% QoQ
|
$-33.9M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$168.7M
+3.7% YoY+1.1% QoQ
|
$-32.1M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
49% |
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 |
1.9%
+12.8% YoY+2.6% QoQ
|
+1.2% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Top 2.9% in tier |
| NIM |
4.2%
+4.5% YoY+1.1% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
54.4%
-3.9% YoY-0.4% QoQ
|
-22.6% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.3% in tier |
| Delinquency Rate |
1.6%
+36.2% YoY-4.3% QoQ
|
+0.7 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 11.3% in tier |
| Loan To Share |
67.2%
-9.2% YoY-2.7% QoQ
|
-5.0% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$14,166
-3.5% YoY-1.0% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.0% in tier |
| CD Concentration |
12.1%
+17.5% YoY+2.4% QoQ
|
-12.3% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
2.5%
-12.0% YoY+1.2% QoQ
|
-11.3% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)