BlastPoint's Credit Union Scorecard

CITIZENS

Charter #10170 · TX

1077 CUs in 100M-500M nationally 79 in TX

CITIZENS has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 22.7% in tier
+ Profitability Leader: Top 41.9% in tier
+ Credit Quality Leader: Top 61.6% in tier
+ Emerging Performer: Top 64.2% in tier
+ ROA 0.74% above tier average
+ First Mortgage Concentration (%): Top 0.0% in tier
+ Efficiency Ratio: Top 3.2% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 5.3% in tier
- Wealth Migration Risk: Bottom 16.4% in tier
- Indirect Auto Dependency: Bottom 17.4% in tier
- Deposit Outflow: Bottom 17.5% in tier
- Indirect Auto Concentration (%): Bottom 0.3% in tier
- Deposit Growth Rate: Bottom 2.0% in tier
- Asset Growth Rate: Bottom 3.7% in tier
- AMR Growth Rate: Bottom 4.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	10,580 +1.2% YoY+0.1% QoQ	-5.0K	15,628 -3.4% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	34%
Assets	$208.0M -5.1% YoY-0.6% QoQ	$-23.3M	$231.3M -0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	53%
Loans	$126.5M +1.6% YoY-0.0% QoQ	$-21.2M	$147.8M -1.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	51%
Deposits	$182.0M -7.8% YoY-1.3% QoQ	$-18.3M	$200.3M -0.0% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	53%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% -2.0% YoY+0.1% QoQ	+0.7%	0.8% +15.5% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	Top 11.3% in tier
NIM	3.2% +15.2% YoY-0.4% QoQ	-0.4%	3.6% +6.9% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	28%
Efficiency Ratio	53.0% -0.9% YoY+0.0% QoQ	-24.2%	77.3% -3.0% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	Bottom 3.2% in tier
Delinquency Rate	0.3% -30.3% YoY-17.5% QoQ	-0.6	0.9% +7.6% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	16%
Loan To Share	69.6% +10.1% YoY+1.3% QoQ	-3.1%	72.7% -1.5% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	40%
AMR	$29,159 -5.3% YoY-0.9% QoQ	+$5K	$24,363 +2.9% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	81%
CD Concentration	14.3% -25.7% YoY+1.3% QoQ	-10.1%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	84.7% +0.3% YoY+0.2% QoQ	+70.7%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#417 of 603 • Top 22.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.22%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.53%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 84.69%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Profitability Leader

growth

#143 of 340 • Top 41.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.53%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.03% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Credit Quality Leader

growth

#210 of 340 • Top 61.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.27%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.12% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Emerging Performer

growth

#123 of 191 • Top 64.2% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.53%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 1.22%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Concerns (4)

Shrinking Wallet Share

decline

#54 of 244 • Bottom 5.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.31%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Wealth Migration Risk

decline

#19 of 28 • Bottom 16.4% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $29.2K

(Tier: $25.0K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -5.31%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

28 of 1077 Community CUs have this signature | 39 nationally

↓ Shrinking -32 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#280 of 525 • Bottom 17.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -5.09%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 84.69%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.22%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Deposit Outflow

decline

#15 of 81 • Bottom 17.5% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -7.76%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 1.22%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 53.04%

Peer Avg: -

#36 of 1077 Top 3.2% in 100M-500M tier

122

Return on Assets (ROA)

profitability

Value: 1.53%

Peer Avg: -

#122 of 1077 Top 11.2% in 100M-500M tier

177

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Avg: -

#177 of 1077 Top 16.3% in 100M-500M tier

207

Average Member Relationship (AMR)

engagement

Value: $29,159

Peer Avg: -

#207 of 1077 Top 19.1% in 100M-500M tier

217

Share Certificate Concentration (%)

balance_sheet

Value: 14.34%

Peer Avg: -

#217 of 1077 Top 20.1% in 100M-500M tier

258

Loan-to-Member Ratio (LMR)

engagement

Value: $11,961

Peer Avg: -

#258 of 1077 Top 23.9% in 100M-500M tier

Top Weaknesses (4 metrics)

1075

Indirect Auto Concentration (%)

balance_sheet

Value: 84.69%

Peer Avg: -

#1075 of 1077 Bottom 0.3% in 100M-500M tier

1056

Deposit Growth Rate

growth

Value: -7.76%

Peer Avg: -

#1056 of 1077 Bottom 2.0% in 100M-500M tier

1038

Asset Growth Rate

growth

Value: -5.09%

Peer Avg: -

#1038 of 1077 Bottom 3.7% in 100M-500M tier

1035

AMR Growth Rate

growth

Value: -5.31%

Peer Avg: -

#1035 of 1077 Bottom 4.0% in 100M-500M tier