BlastPoint's Credit Union Scorecard
HOUSTON
Charter #14091 · TX
HOUSTON has 4 strengths but faces 11 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
- + Wallet Share Momentum: Top 26.2% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 8.9% in tier
- + Total Deposits: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 0.2% in tier
- - Membership Headwinds: Bottom 1.6% in tier
- - Stagnation Risk: Bottom 9.6% in tier
- - Efficiency Drag: Bottom 15.7% in tier
- - Credit Quality Pressure: Bottom 17.1% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 12.12% above tier (higher cost structure)
- - Member decline: -11.8% YoY
- - Member Growth Rate: Bottom 2.7% in tier
- - Asset Growth Rate: Bottom 3.6% in tier
- - Loan Growth Rate: Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
60,366
-11.8% YoY-0.5% QoQ
|
+8.3K |
52,114
-2.1% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
73% |
| Assets |
$952.9M
-5.7% YoY+1.2% QoQ
|
+$93.9M |
$859.0M
+0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 13.4% in tier |
| Loans |
$538.5M
-7.9% YoY-1.9% QoQ
|
$-64.8M |
$603.4M
+1.0% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$845.0M
+0.5% YoY-0.0% QoQ
|
+$110.8M |
$734.2M
+0.9% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 9.8% in tier |
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| ROA |
0.3%
-13.2% YoY-1.7% QoQ
|
-0.4% |
0.7%
+27.6% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
3.1%
+8.0% YoY+1.4% QoQ
|
-0.3% |
3.4%
+9.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
30% |
| Efficiency Ratio |
86.6%
+6.7% YoY-0.6% QoQ
|
+12.1% |
74.5%
-3.2% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 9.8% in tier |
| Delinquency Rate |
0.4%
+49.9% YoY+7.1% QoQ
|
-0.4 |
0.8%
+5.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
25% |
| Loan To Share |
63.7%
-8.4% YoY-1.9% QoQ
|
-18.9% |
82.7%
+0.1% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.4% in tier |
| AMR |
$22,919
+10.0% YoY-0.3% QoQ
|
$-6K |
$28,651
+2.5% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration |
31.1%
+5.0% YoY+2.7% QoQ
|
+6.7% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
74% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)