BlastPoint's Credit Union Scorecard
CITIZENS
Charter #10170 · TX
CITIZENS has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.80% above tier average
- + Efficiency Ratio: Top 3.6% in tier
- + Total Delinquency Rate (60+ days): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 0.2% in tier
- - Deposit Growth Rate: Bottom 2.0% in tier
- - Asset Growth Rate: Bottom 4.2% in tier
- - AMR Growth Rate: Bottom 5.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
- Shares and deposits -5.7% year over year ($174M in shares and deposits).
- Membership: 10,902 members, +3.2% vs a year ago.
- Delinquency rate 0.13%.
- Return on assets 1.66%.
- Efficiency ratio 54.15% vs a 76.73% peer average.
- Loan-to-share ratio 77.16% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,902
+3.2% YoY+2.1% QoQ
|
-4.3K |
15,168
-2.6% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
37% |
| Assets |
$201.9M
-3.5% YoY-1.5% QoQ
|
$-30.1M |
$232.0M
+0.7% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
51% |
| Loans |
$134.1M
+5.9% YoY+7.0% QoQ
|
$-12.2M |
$146.3M
+0.2% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
55% |
| Deposits |
$173.8M
-5.7% YoY-2.0% QoQ
|
$-27.0M |
$200.7M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
1.7%
+8.6% YoY+4.8% QoQ
|
+0.8% |
0.9%
+12.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 8.5% in tier |
| NIM |
3.2%
+0.2% YoY+0.2% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
54.2%
+2.1% YoY+0.3% QoQ
|
-22.6% |
76.7%
-0.8% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 3.6% in tier |
| Delinquency Rate |
0.1%
-62.2% YoY-41.0% QoQ
|
-0.8 |
0.9%
+6.6% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 6.6% in tier |
| Loan To Share |
77.2%
+12.4% YoY+9.3% QoQ
|
+5.6% |
71.5%
-0.3% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
58% |
| AMR |
$28,235
-4.0% YoY-0.4% QoQ
|
+$3K |
$25,107
+3.2% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
75% |
| CD Concentration |
15.7%
+11.3% YoY+1.8% QoQ
|
-8.8% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
85.8%
+1.6% YoY+1.1% QoQ
|
+72.2% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)