BlastPoint's Credit Union Scorecard
TEXOMA EDUCATORS
Charter #11670 · TX
TEXOMA EDUCATORS has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13.3% in tier
- - Stagnation Risk: Bottom 72.3% in tier
- - Institutional Decline: Bottom 95.8% in tier
- - Membership Headwinds: Bottom 99.1% in tier
- - Total Loans: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,533
-0.5% YoY-0.6% QoQ
|
-6.9K |
15,437
-2.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$132.1M
+2.1% YoY+0.9% QoQ
|
$-99.7M |
$231.9M
+1.3% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$55.5M
-2.8% YoY+0.4% QoQ
|
$-91.8M |
$147.3M
-0.1% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.0% in tier |
| Deposits |
$112.9M
+1.5% YoY+0.6% QoQ
|
$-87.9M |
$200.8M
+0.8% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
0.9%
+97.5% YoY-1.5% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
2.8%
+26.8% YoY+3.4% QoQ
|
-0.8% |
3.6%
+6.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.7% in tier |
| Efficiency Ratio |
70.5%
-13.8% YoY+0.7% QoQ
|
-6.5% |
77.0%
-3.1% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.8%
+335.5% YoY+3.6% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
49.2%
-4.3% YoY-0.2% QoQ
|
-23.0% |
72.2%
-1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.3% in tier |
| AMR |
$19,738
+0.6% YoY+1.2% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
18.8%
-20.1% YoY-8.7% QoQ
|
-5.7% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)