BlastPoint's Credit Union Scorecard

HOUSTON

Charter #14091 · TX

Community 750M-1B

117 CUs in 750M-1B nationally 12 in TX

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HOUSTON has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Deposits: Top 6.8% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 1.0% in tier
- Efficiency Drag: Bottom 42.8% in tier
- Stagnation Risk: Bottom 77.3% in tier
- Membership Headwinds: Bottom 77.3% in tier
- ROA 0.33% below tier average
- Efficiency ratio 4.84% above tier (higher cost structure)
- Member decline: -2.5% YoY
- Loan Growth Rate: Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	60,128 -2.5% YoY+0.4% QoQ	+8.6K	51,500 +0.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	74%
Assets	$961.8M +0.7% YoY+1.2% QoQ	+$96.2M	$865.6M +0.9% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	Top 12.0% in tier
Loans	$526.6M -5.0% YoY-0.9% QoQ	$-68.6M	$595.3M +1.6% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	28%
Deposits	$862.5M -0.2% YoY+1.2% QoQ	+$120.3M	$742.2M +0.6% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	Top 7.7% 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	0.4% +122.3% YoY+31.3% QoQ	-0.3%	0.8% +45.0% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	26%
NIM	3.2% +6.6% YoY+3.1% QoQ	-0.3%	3.5% +6.1% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	32%
Efficiency Ratio	80.4% -12.3% YoY-7.1% QoQ	+4.8%	75.5% -3.4% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	68%
Delinquency Rate	0.4% -21.7% YoY-26.0% QoQ	-0.3	0.7% -0.1% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	25%
Loan To Share	61.1% -4.8% YoY-2.1% QoQ	-19.6%	80.6% +0.7% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	Bottom 12.0% in tier
AMR	$23,103 +0.4% YoY-0.0% QoQ	$-6K	$28,908 +0.7% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	30%
CD Concentration	30.4% +3.8% YoY-2.2% QoQ	+6.1%	24.3%	21.3%	19.8%	72%
Indirect Auto %	0.0%	-13.8%	13.8%	6.9%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Institutional Decline

decline

#61 of 250 • Bottom 1.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $961.82M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -2.47%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.99%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 284 Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Stagnation Risk

risk

#225 of 570 • Bottom 77.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.47%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.99%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.35%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#304 of 570 • Bottom 77.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.47%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#512 of 596 • Bottom 42.8% in tier

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

Why This Signature

Efficiency Ratio: 80.38%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.24% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -2.47%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 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 117 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.79%

#1 of 117 Top 0.1% in 750M-1B tier

Total Deposits

balance_sheet

Value: $862.52M

Peer Median: $735.65M

#9 of 117 Top 6.8% in 750M-1B tier

Total Assets

balance_sheet

Value: $961.82M

Peer Median: $858.87M

#14 of 117 Top 11.1% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: 0.56%

#30 of 117 Top 24.8% in 750M-1B tier

Total Members

engagement

Value: 60,128

Peer Median: 51,712

#30 of 117 Top 24.8% in 750M-1B tier

Top Weaknesses (7 metrics)

109

Loan Growth Rate

growth

Value: -4.99%

Peer Median: 4.33%

#109 of 117 Bottom 7.7% in 750M-1B tier

103

Deposit Growth Rate

growth

Value: -0.19%

Peer Median: 4.60%

#103 of 117 Bottom 12.8% in 750M-1B tier

103

Loan-to-Share Ratio

balance_sheet

Value: 61.06%

Peer Median: 84.41%

#103 of 117 Bottom 12.8% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $8,759

Peer Median: $11,598

#99 of 117 Bottom 16.2% in 750M-1B tier

Asset Growth Rate

growth

Value: 0.69%

Peer Median: 4.88%

#97 of 117 Bottom 17.9% in 750M-1B tier

AMR Growth Rate

growth

Value: 0.42%

Peer Median: 3.70%

#95 of 117 Bottom 19.7% in 750M-1B tier

Member Growth Rate

growth

Value: -2.47%

Peer Median: 0.97%

#93 of 117 Bottom 21.4% in 750M-1B tier