BlastPoint's Credit Union Scorecard

ELLIS COUNTY TEACHERS AND EMPLOYEES

Charter #12266 · TX

<100M

2508 CUs in <100M nationally 237 in TX

ELLIS COUNTY TEACHERS AND EMPLOYEES demonstrates 4 strengths

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 1.51% above tier average
+ Members Per Employee (MPE): Top 3.8% in tier
+ Efficiency Ratio: Top 5.8% in tier
+ Net Charge-Off Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	2,224 +0.5% YoY+0.3% QoQ	-452	2,676 +1.6% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	56%
Assets	$18.4M +5.3% YoY+2.0% QoQ	$-11.8M	$30.2M +1.3% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	46%
Loans	$7.4M -11.5% YoY-3.6% QoQ	$-7.8M	$15.3M -2.0% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	44%
Deposits	$14.7M +4.3% YoY+2.0% QoQ	$-11.1M	$25.8M +0.7% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	45%

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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	1.7% -16.4% YoY-13.7% QoQ	+1.5%	0.1% -77.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Top 12.0% in tier
NIM	3.4% -10.1% YoY-5.1% QoQ	-0.6%	4.0% +4.0% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	30%
Efficiency Ratio	52.2% +7.9% YoY+9.7% QoQ	-38.4%	90.6% +6.5% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	Top 5.8% in tier
Delinquency Rate	0.0%	-1.5	1.5% +3.8% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	Top 13.3% in tier
Loan To Share	50.6% -15.2% YoY-5.4% QoQ	-7.9%	58.5% -3.0% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	37%
AMR	$9,963 -2.1% YoY-0.2% QoQ	$-5K	$14,884 -1.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	28%
CD Concentration	22.5% +15.5% YoY-2.1% QoQ	-1.8%	24.3%	21.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Members Per Employee (MPE)

engagement

Value: 741.333

Peer Median: 333.750

#96 of 2508 Top 3.8% in <100M tier

146

Efficiency Ratio

profitability

Value: 52.24%

Peer Median: 81.45%

#146 of 2508 Top 5.8% in <100M tier

250

Net Charge-Off Rate

risk

Value: -0.09%

Peer Median: 0.07%

#250 of 2508 Top 9.9% in <100M tier

301

Return on Assets (ROA)

profitability

Value: 1.65%

Peer Median: 0.61%

#301 of 2508 Top 12.0% in <100M tier

335

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.65%

#335 of 2508 Top 13.3% in <100M tier

564

Net Worth Ratio

risk

Value: 19.83%

Peer Median: 14.28%

#564 of 2508 Top 22.4% in <100M tier

569

Asset Growth Rate

growth

Value: 5.29%

Peer Median: 1.30%

#569 of 2508 Top 22.6% in <100M tier

Top Weaknesses (2 metrics)

2071

Fee Income Per Member

profitability

Value: $7.66

Peer Median: $60.42

#2071 of 2508 Bottom 17.5% in <100M tier

2044

Loan Growth Rate

growth

Value: -11.54%

Peer Median: -2.36%

#2044 of 2508 Bottom 18.5% in <100M tier