BlastPoint's Credit Union Scorecard
HEART O' TEXAS
Charter #11032 · TX
HEART O' TEXAS has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Efficiency ratio 10.14% above tier (higher cost structure)
- - Member decline: -2.0% YoY
- - Net Worth Ratio: Bottom 2.3% in tier
- - Indirect Auto Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,632
-2.0% YoY-0.3% QoQ
|
+3.0K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 10.7% in tier |
| Assets |
$55.9M
-3.9% YoY+1.0% QoQ
|
+$25.8M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$41.6M
-9.6% YoY-0.9% QoQ
|
+$25.8M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Top 9.3% in tier |
| Deposits |
$51.6M
-4.8% YoY+1.0% QoQ
|
+$25.9M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
-0.1%
-85.5% YoY-36.7% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.8% in tier |
| NIM |
3.9%
+14.8% YoY+1.2% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
92.7%
-12.7% YoY-1.6% QoQ
|
+10.1% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.6%
-1.9% YoY-13.2% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
80.7%
-5.1% YoY-1.8% QoQ
|
+20.1% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$16,542
-5.1% YoY+0.5% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
20.6%
+0.9% YoY-0.9% QoQ
|
-3.8% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
9.1%
+110.4% YoY+14.9% QoQ
|
-4.7% | 13.8% | 7.1% | 7.8% | 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)