LAS COLINAS

Charter #10424 | TX

100M-500M (1077 CUs) Micro
79 100M-500M in TX

LAS COLINAS has 2 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.01% above tier average
  • + Loan-to-Share Ratio: Top 4.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 9.4% in tier
  • - Deposit Outflow: Bottom 10.4% in tier
  • - Efficiency Drag: Bottom 10.4% in tier
  • - Capital Constraint: Bottom 11.5% in tier
  • - Shrinking Wallet Share: Bottom 15.7% in tier
  • - Indirect Auto Dependency: Bottom 22.5% in tier
  • - ROA 0.94% below tier average
  • - Efficiency ratio 10.05% above tier (higher cost structure)
  • - Total Assets: Bottom 2.8% in tier
  • - Total Deposits: Bottom 3.2% in tier
  • - Deposit Growth Rate: Bottom 4.0% in tier
  • - Indirect Auto Concentration (%): Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 10,188
+3.0% YoY+1.0% QoQ
 -5.4K 15,628
-3.4% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 31st in tier
Assets $104.3M
-0.5% YoY+3.4% QoQ
 $-127.0M $231.3M
-0.0% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 Bottom 2.7% in tier
Loans $88.8M
+6.7% YoY+1.8% QoQ
 $-58.9M $147.8M
-1.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 28th in tier
Deposits $90.4M
-4.2% YoY+4.8% QoQ
 $-109.9M $200.3M
-0.0% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 Bottom 3.2% in tier
ROA -0.2%
+241.8% YoY-65.0% QoQ
 -0.9% 0.8%
+15.5% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Bottom 4.9% in tier
NIM 3.6%
+0.7% YoY-1.6% QoQ
 +0.0% 3.6%
+6.9% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 50th in tier
Efficiency Ratio 87.3%
-3.5% YoY-3.2% QoQ
 +10.0% 77.3%
-3.0% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 Top 16.2% in tier
Delinquency Rate 0.6%
-3.3% YoY-45.2% QoQ
 -0.3 0.9%
+7.6% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 45th in tier
Loan To Share 98.3%
+11.3% YoY-2.9% QoQ
 +25.6% 72.7%
-1.5% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 4.3% in tier
AMR $17,596
-2.0% YoY+2.2% QoQ
 $-7K $24,363
+2.9% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 20.4% in tier
CD Concentration 24.2%
+13.9% YoY-2.2% QoQ
 -0.2% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 39.7%
+72.0% YoY+6.4% QoQ
 +25.7% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Liquidity Strain

risk
#74 of 258 • Bottom 9.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 98.26%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 6.69%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Deposit Outflow

decline
#62 of 114 • Bottom 10.4% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -4.18%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $104.30M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Efficiency Drag

risk
#184 of 521 • Bottom 10.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 87.33%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.11% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 2.96%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Capital Constraint

risk
#11 of 18 • Bottom 11.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 98.26%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -4.18%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 9.03%
(Tier: 11.95%, National: 14.51%)
worse than tier avg
18 of 1077 Community CUs have this signature | 29 nationally
↓ Shrinking -33 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#157 of 244 • Bottom 15.7% in tier

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

Why This Signature
AMR Growth (YoY): -1.98%
(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

Indirect Auto Dependency

risk
#362 of 525 • Bottom 22.5% in tier

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

Why This Signature
Asset Growth (YoY): -0.55%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 39.68%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.96%
(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 improving

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)

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

46
Loan-to-Share Ratio
balance_sheet
Value: 98.26%
Peer Avg: 72.70%
#46 of 1077 Top 4.2% in 100M-500M tier
217
Member Growth Rate
growth
Value: 2.96%
Peer Avg: 0.72%
#217 of 1077 Top 20.1% in 100M-500M tier

Top Weaknesses (11 metrics)

1048
Total Assets
balance_sheet
Value: $104.30M
Peer Avg: $231.30M
#1048 of 1077 Bottom 2.8% in 100M-500M tier
1043
Total Deposits
balance_sheet
Value: $90.42M
Peer Avg: $200.29M
#1043 of 1077 Bottom 3.2% in 100M-500M tier
1035
Deposit Growth Rate
growth
Value: -4.18%
Peer Avg: 4.69%
#1035 of 1077 Bottom 4.0% in 100M-500M tier
1024
Return on Assets (ROA)
profitability
Value: -0.16%
Peer Avg: 0.79%
#1024 of 1077 Bottom 5.0% in 100M-500M tier
987
Indirect Auto Concentration (%)
balance_sheet
Value: 39.68%
Peer Avg: 13.34%
#987 of 1077 Bottom 8.4% in 100M-500M tier
951
AMR Growth Rate
growth
Value: -1.98%
Peer Avg: 3.64%
#951 of 1077 Bottom 11.8% in 100M-500M tier
948
Net Charge-Off Rate
risk
Value: 0.90%
Peer Avg: 0.47%
#948 of 1077 Bottom 12.1% in 100M-500M tier
934
Net Worth Ratio
risk
Value: 9.03%
Peer Avg: 12.15%
#934 of 1077 Bottom 13.4% in 100M-500M tier
906
Asset Growth Rate
growth
Value: -0.55%
Peer Avg: 4.70%
#906 of 1077 Bottom 16.0% in 100M-500M tier
903
Efficiency Ratio
profitability
Value: 87.33%
Peer Avg: 77.28%
#903 of 1077 Bottom 16.2% in 100M-500M tier