BlastPoint's Credit Union Scorecard

H E B

Charter #15650 · TX

1077 CUs in 100M-500M nationally 79 in TX

H E B has 7 strengths but faces 7 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

+ Credit Quality Leader: Top 35.1% in tier
+ Wallet Share Momentum: Top 35.8% in tier
+ ROA 0.07% above tier average
+ Net Interest Margin 0.45% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Worth Ratio: Top 4.8% in tier
+ Total Delinquency Rate (60+ days): Top 9.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 14.3% in tier
- Stagnation Risk: Bottom 16.0% in tier
- Liquidity Strain: Bottom 16.3% in tier
- Membership Headwinds: Bottom 27.7% in tier
- Liquidity Overhang: Bottom 77.4% in tier
- Efficiency ratio 4.41% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 5.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	12,252 -1.1% YoY+0.1% QoQ	-3.4K	15,628 -3.4% YoY	26,896 +3.7% YoY	33,089 +6.1% YoY	44%
Assets	$209.9M +5.1% YoY+0.2% QoQ	$-21.4M	$231.3M -0.0% YoY	$411.3M +5.9% YoY	$547.7M +7.8% YoY	53%
Loans	$153.2M +11.0% YoY+4.0% QoQ	+$5.4M	$147.8M -1.4% YoY	$295.8M +5.3% YoY	$388.7M +8.6% YoY	61%
Deposits	$165.9M +4.3% YoY-0.3% QoQ	$-34.4M	$200.3M -0.0% YoY	$341.5M +6.1% YoY	$464.6M +9.3% YoY	48%

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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	0.9% +8.5% YoY+10.4% QoQ	+0.1%	0.8% +15.5% YoY	0.5% -24.0% YoY	0.7% +273.4% YoY	57%
NIM	4.0% +2.2% YoY+2.4% QoQ	+0.5%	3.6% +6.9% YoY	3.9% +4.3% YoY	3.7% +5.0% YoY	75%
Efficiency Ratio	81.7% -2.3% YoY-1.1% QoQ	+4.4%	77.3% -3.0% YoY	79.6% -0.9% YoY	79.1% -3.3% YoY	66%
Delinquency Rate	0.2% -46.8% YoY+143.3% QoQ	-0.7	0.9% +7.6% YoY	1.2% +20.3% YoY	1.2% -0.9% YoY	Bottom 9.6% in tier
Loan To Share	92.3% +6.4% YoY+4.3% QoQ	+19.6%	72.7% -1.5% YoY	71.8% -2.5% YoY	68.0% -1.7% YoY	Top 11.2% in tier
AMR	$26,049 +8.7% YoY+1.7% QoQ	+$2K	$24,363 +2.9% YoY	$17,515 +1.3% YoY	$19,418 +1.3% YoY	69%
CD Concentration	20.1% +19.2% YoY+5.6% QoQ	-4.3%	24.4% +4.2% YoY	20.9% +7.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	7.2% -0.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Credit Quality Leader

growth

#120 of 340 • Top 35.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.18%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.16% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Wallet Share Momentum

growth

#173 of 481 • Top 35.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.66%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk

#254 of 521 • Bottom 14.3% in tier

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

Why This Signature

Efficiency Ratio: 81.69%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.12%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Stagnation Risk

risk

#264 of 550 • Bottom 16.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.12%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 11.01%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.18%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Strain

risk

#127 of 258 • Bottom 16.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.35%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 11.01%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Membership Headwinds

decline

#457 of 550 • Bottom 27.7% in tier

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

Why This Signature

Member Growth (YoY): -1.12%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Overhang

risk

#104 of 134 • Bottom 77.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.13%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 92.35%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 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 1077 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.13%

Peer Avg: -

#53 of 1077 Top 4.8% in 100M-500M tier

104

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Avg: -

#104 of 1077 Top 9.6% in 100M-500M tier

121

Loan-to-Share Ratio

balance_sheet

Value: 92.35%

Peer Avg: -

#121 of 1077 Top 11.1% in 100M-500M tier

122

Net Charge-Off Rate

risk

Value: 0.07%

Peer Avg: -

#122 of 1077 Top 11.2% in 100M-500M tier

132

Loan Growth Rate

growth

Value: 11.01%

Peer Avg: -

#132 of 1077 Top 12.2% in 100M-500M tier

135

AMR Growth Rate

growth

Value: 8.66%

Peer Avg: -

#135 of 1077 Top 12.4% in 100M-500M tier

218

Loan-to-Member Ratio (LMR)

engagement

Value: $12,506

Peer Avg: -

#218 of 1077 Top 20.1% in 100M-500M tier

266

Net Interest Margin (NIM)

profitability

Value: 4.04%

Peer Avg: -

#266 of 1077 Top 24.6% in 100M-500M tier

Top Weaknesses (1 metrics)

1016

First Mortgage Concentration (%)

balance_sheet

Value: 61.07%

Peer Avg: -

#1016 of 1077 Bottom 5.8% in 100M-500M tier