BlastPoint's Credit Union Scorecard
HOUSTON
Charter #14091 · TX
HOUSTON has 2 strengths but faces 11 concerns
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How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 2.1% in tier
- - Stagnation Risk: Bottom 15.0% in tier
- - Membership Headwinds: Bottom 17.4% in tier
- - Flatlined Growth: Bottom 32.5% in tier
- - Efficiency Drag: Bottom 41.1% in tier
- - Credit Quality Pressure: Bottom 62.5% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 12.16% above tier (higher cost structure)
- - Member decline: -6.1% YoY
- - Loan Growth Rate: Bottom 3.4% in tier
- - Member Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,905
-6.1% YoY-0.8% QoQ
|
+7.8K |
52,084
-1.6% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$950.7M
+1.2% YoY-0.2% QoQ
|
+$86.8M |
$863.9M
+0.5% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$531.6M
-7.6% YoY-1.3% QoQ
|
$-74.3M |
$605.8M
+1.4% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$852.7M
+0.4% YoY+0.9% QoQ
|
+$115.4M |
$737.3M
+0.1% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 7.7% in tier |
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| ROA |
0.3%
-11.9% YoY+1.1% QoQ
|
-0.4% |
0.7%
+39.1% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
3.1%
+4.3% YoY+0.1% QoQ
|
-0.3% |
3.4%
+8.7% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
86.5%
+6.0% YoY-0.2% QoQ
|
+12.2% |
74.3%
-3.6% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 8.5% in tier |
| Delinquency Rate |
0.5%
+40.8% YoY+9.1% QoQ
|
-0.4 |
0.9%
+3.8% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
62.3%
-8.0% YoY-2.2% QoQ
|
-20.2% |
82.6%
+1.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.0% in tier |
| AMR |
$23,108
+3.4% YoY+0.8% QoQ
|
$-6K |
$28,873
+2.7% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration |
31.1%
+3.5% YoY-0.1% QoQ
|
+6.7% | 24.4% | 21.2% | 19.8% | 74% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
Concerns (6)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)