BlastPoint's Credit Union Scorecard
HOUSTON
Charter #14091 · TX
HOUSTON has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 1.2% in tier
- - Efficiency Drag: Bottom 38.1% in tier
- - Credit Quality Pressure: Bottom 39.7% in tier
- - Stagnation Risk: Bottom 72.7% in tier
- - Membership Headwinds: Bottom 72.7% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 6.23% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 9.0% in tier
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 10 that size in Texas.
- Shares and deposits +0.6% year over year ($850M in shares and deposits).
- Membership: 59,544 members, -1.9% vs a year ago.
- Delinquency rate 0.49%.
- Return on assets 0.43%.
- Efficiency ratio 80.77% vs a 74.54% peer average.
- Loan-to-share ratio 62.65% vs a 82.60% 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 |
59,544
-1.9% YoY-1.0% QoQ
|
+7.1K |
52,482
+1.3% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
71% |
| Assets |
$952.0M
+1.1% YoY-1.0% QoQ
|
+$88.0M |
$863.9M
+0.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 13.5% in tier |
| Loans |
$532.7M
-3.0% YoY+1.1% QoQ
|
$-75.1M |
$607.8M
+2.1% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$850.3M
+0.6% YoY-1.4% QoQ
|
+$110.4M |
$739.9M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Top 9.0% in tier |
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| ROA |
0.4%
+30.1% YoY-0.4% QoQ
|
-0.4% |
0.8%
+30.4% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
3.2%
+4.9% YoY+0.3% QoQ
|
-0.3% |
3.5%
+6.2% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
80.8%
-7.4% YoY+0.5% QoQ
|
+6.2% |
74.5%
-1.4% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
0.5%
+21.3% YoY+40.3% QoQ
|
-0.3 |
0.8%
+1.0% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
62.6%
-3.6% YoY+2.6% QoQ
|
-20.0% |
82.6%
+1.9% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.8% in tier |
| AMR |
$23,226
+1.1% YoY+0.5% QoQ
|
$-5K |
$28,702
+0.4% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration |
30.9%
+2.1% YoY+1.8% QoQ
|
+6.4% | 24.6% | 21.6% | 20.0% | 74% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
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.
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)