BlastPoint's Credit Union Scorecard

CITIZENS

Charter #10170 · TX

100M-500M

1070 CUs in 100M-500M nationally 80 in TX

CITIZENS has 2 strengths but faces 7 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

+ ROA 0.86% above tier average
+ Efficiency Ratio: Top 3.9% 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 0.3% in tier
- Deposit Growth Rate: Bottom 4.1% in tier
- AMR Growth Rate: Bottom 6.4% in tier
- Asset Growth Rate: Bottom 8.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	10,679 +0.9% YoY+0.1% QoQ	-4.5K	15,145 -2.5% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	36%
Assets	$205.0M -2.1% YoY-4.0% QoQ	$-26.7M	$231.7M +0.8% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	52%
Loans	$125.3M -1.2% YoY-0.3% QoQ	$-18.9M	$144.1M +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	52%
Deposits	$177.4M -4.6% YoY-4.9% QoQ	$-23.8M	$201.1M +0.4% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	52%

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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	1.6% +4.5% YoY+3.0% QoQ	+0.9%	0.7% +5.1% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Top 9.2% in tier
NIM	3.2% -2.3% YoY+1.1% QoQ	-0.4%	3.6% +4.6% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	26%
Efficiency Ratio	54.0% +4.0% YoY+2.9% QoQ	-24.0%	78.0% -1.7% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Top 3.9% in tier
Delinquency Rate	0.2% -25.0% YoY-5.7% QoQ	-0.6	0.8% +7.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Top 14.1% in tier
Loan To Share	70.6% +3.5% YoY+4.9% QoQ	+0.2%	70.4% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	48%
AMR	$28,340 -4.1% YoY-3.2% QoQ	+$3K	$24,918 +2.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	76%
CD Concentration	15.5% +8.4% YoY+12.2% QoQ	-8.8%	24.3%	21.3%	19.8%	50%
Indirect Auto %	84.9% -0.3% YoY+0.2% QoQ	+71.1%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Deposit Outflow

decline

#20 of 72 • Bottom 50.0% 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): -4.56%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 0.95%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Shrinking Wallet Share

decline

#78 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -4.11%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#243 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): -2.12%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 84.93%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.95%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (7 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 29.47%

#1 of 1070 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 53.99%

Peer Median: 78.68%

#43 of 1070 Top 3.9% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.59%

Peer Median: 0.69%

#98 of 1070 Top 9.1% in 100M-500M tier

152

Total Delinquency Rate (60+ days)

risk

Value: 0.21%

Peer Median: 0.61%

#152 of 1070 Top 14.1% in 100M-500M tier

225

Net Worth Ratio

risk

Value: 13.96%

Peer Median: 11.45%

#225 of 1070 Top 20.9% in 100M-500M tier

254

Share Certificate Concentration (%)

balance_sheet

Value: 15.46%

Peer Median: 23.10%

#254 of 1070 Top 23.6% in 100M-500M tier

262

Average Member Relationship (AMR)

engagement

Value: $28,340

Peer Median: $22,931

#262 of 1070 Top 24.4% in 100M-500M tier

Top Weaknesses (4 metrics)

1068

Indirect Auto Concentration (%)

balance_sheet

Value: 84.93%

Peer Median: 6.61%

#1068 of 1070 Bottom 0.3% in 100M-500M tier

1027

Deposit Growth Rate

growth

Value: -4.56%

Peer Median: 3.30%

#1027 of 1070 Bottom 4.1% in 100M-500M tier

1002

AMR Growth Rate

growth

Value: -4.11%

Peer Median: 3.46%

#1002 of 1070 Bottom 6.4% in 100M-500M tier

978

Asset Growth Rate

growth

Value: -2.12%

Peer Median: 3.91%

#978 of 1070 Bottom 8.7% in 100M-500M tier