BlastPoint's Credit Union Scorecard
HEART O' TEXAS
Charter #11032 · TX
HEART O' TEXAS has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + AMR Growth Rate: Top 1.0% in tier
- + Loan-to-Member Ratio (LMR): Top 7.9% in tier
- + Total Loans: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.45% below tier average
- - Efficiency ratio 0.27% above tier (higher cost structure)
- - Member decline: -30.8% YoY
- - Member Growth Rate: Bottom 0.8% in tier
- - Net Worth Ratio: Bottom 2.9% in tier
- - Indirect Auto Concentration (%): Bottom 7.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -2.3% year over year ($50.3M in shares and deposits).
- Membership: 3,935 members, -30.8% vs a year ago.
- Delinquency rate 0.86%.
- Return on assets 0.05%.
- Efficiency ratio 89.04% vs a 88.77% peer average.
- Loan-to-share ratio 80.24% vs a 58.89% 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 |
3,935
-30.8% YoY-11.3% QoQ
|
+1.3K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$54.6M
-2.3% YoY+0.0% QoQ
|
+$24.4M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$40.4M
-5.4% YoY-2.7% QoQ
|
+$24.9M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
Top 9.9% in tier |
| Deposits |
$50.3M
-2.3% YoY+0.1% QoQ
|
+$24.5M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
82% |
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| ROA |
0.0%
-113.0% YoY-132.5% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.2% in tier |
| NIM |
4.0%
+6.6% YoY+1.1% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
89.0%
-7.5% YoY-4.4% QoQ
|
+0.3% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
0.9%
+8.3% YoY+172.1% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
80.2%
-3.1% YoY-2.8% QoQ
|
+21.3% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
81% |
| AMR |
$23,051
+39.1% YoY+11.4% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 12.8% in tier |
| CD Concentration |
23.0%
+11.2% YoY+4.2% QoQ
|
-1.6% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
11.8%
+98.4% YoY+14.4% QoQ
|
-1.9% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)