BlastPoint's Credit Union Scorecard

TEXAS TECH

Charter #12858 · TX

100M-500M

1024 CUs in 100M-500M nationally 74 in TX

TEXAS TECH has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Strong member growth: 6.1% YoY
+ Fee Income Per Member: Top 0.6% in tier
+ Total Loans: Top 2.4% in tier
+ Total Members: Top 2.4% in tier
+ Total Deposits: Top 4.2% in tier
+ Total Assets: Top 4.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.06% below tier average
- Efficiency ratio 9.19% above tier (higher cost structure)

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
Shares and deposits +6.6% year over year ($393M in shares and deposits).
Membership: 37,060 members, +6.1% vs a year ago.
Delinquency rate 0.42%.
Return on assets 0.80%.
Efficiency ratio 85.92% vs a 76.73% peer average.
Loan-to-share ratio 86.98% vs a 71.54% 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	37,060 +6.1% YoY+1.6% QoQ	+21.9K	15,168 -2.6% YoY	27,284 +2.5% YoY	34,678 +6.6% YoY	Top 2.5% in tier
Assets	$450.8M +6.5% YoY+0.8% QoQ	+$218.8M	$232.0M +0.7% YoY	$429.8M +5.9% YoY	$593.1M +10.2% YoY	Top 4.8% in tier
Loans	$341.6M +10.9% YoY+7.9% QoQ	+$195.4M	$146.3M +0.2% YoY	$305.6M +4.5% YoY	$418.6M +10.1% YoY	Top 2.5% in tier
Deposits	$392.8M +6.6% YoY+0.2% QoQ	+$192.1M	$200.7M +0.2% YoY	$357.0M +5.3% YoY	$504.8M +10.3% YoY	Top 4.3% in tier

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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	0.8% +70.2% YoY+54.5% QoQ	-0.1%	0.9% +12.5% YoY	1.4% -298.3% YoY	1.2% +121.4% YoY	53%
NIM	3.4% +8.4% YoY+4.2% QoQ	-0.3%	3.7% +4.5% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	34%
Efficiency Ratio	85.9% -3.4% YoY-3.2% QoQ	+9.2%	76.7% -0.8% YoY	89.3% -7.8% YoY	83.0% -5.3% YoY	79%
Delinquency Rate	0.4% +53.2% YoY+50.0% QoQ	-0.5	0.9% +6.6% YoY	1.3% +10.3% YoY	1.3% +2.6% YoY	29%
Loan To Share	87.0% +4.0% YoY+7.7% QoQ	+15.4%	71.5% -0.3% YoY	70.0% -2.3% YoY	66.4% -1.4% YoY	80%
AMR	$19,817 +2.3% YoY+2.0% QoQ	$-5K	$25,107 +3.2% YoY	$17,919 +2.5% YoY	$20,028 -0.9% YoY	31%
CD Concentration	37.5% -3.2% YoY+0.5% QoQ	+13.0%	24.6%	21.6%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	6.9%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#39 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.12%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.80%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#49 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 6.12%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Concerns (3)

Credit Risk Growth

risk

#133 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.93%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#408 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Efficiency Drag

risk

#443 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 85.92%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.33% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 6.12%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $563.19

Peer Median: $159.88

#7 of 1024 Top 0.6% in 100M-500M tier

Total Loans

balance_sheet

Value: $341.64M

Peer Median: $124.04M

#26 of 1024 Top 2.4% in 100M-500M tier

Total Members

engagement

Value: 37,060

Peer Median: 13,128

#26 of 1024 Top 2.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $392.77M

Peer Median: $170.77M

#44 of 1024 Top 4.2% in 100M-500M tier

Total Assets

balance_sheet

Value: $450.81M

Peer Median: $196.38M

#49 of 1024 Top 4.7% in 100M-500M tier

Member Growth Rate

growth

Value: 6.12%

Peer Median: -0.03%

#73 of 1024 Top 7.0% in 100M-500M tier

140

Loan Growth Rate

growth

Value: 10.93%

Peer Median: 3.02%

#140 of 1024 Top 13.6% in 100M-500M tier

210

Loan-to-Share Ratio

balance_sheet

Value: 86.98%

Peer Median: 73.07%

#210 of 1024 Top 20.4% in 100M-500M tier

240

Deposit Growth Rate

growth

Value: 6.62%

Peer Median: 3.58%

#240 of 1024 Top 23.3% in 100M-500M tier

Top Weaknesses (3 metrics)

916

Share Certificate Concentration (%)

balance_sheet

Value: 37.54%

Peer Median: 23.39%

#916 of 1024 Bottom 10.6% in 100M-500M tier

813

Members Per Employee (MPE)

engagement

Value: 252.109

Peer Median: 310.924

#813 of 1024 Bottom 20.7% in 100M-500M tier

808

Efficiency Ratio

profitability

Value: 85.92%

Peer Median: 77.26%

#808 of 1024 Bottom 21.2% in 100M-500M tier